Common use of Regulatory Reports Clause in Contracts

Regulatory Reports. Since January 1, 2001, FNB and its subsidiaries have filed all reports, registrations and statements, together with any amendments that were required to be made with respect thereto, that were required to be filed with the Federal Reserve Board, the FDIC, the Office of the Comptroller of the Currency (“OCC”) and any other governmental or regulatory authorities having jurisdiction over FNB or its subsidiaries except to the extent that failure to file such reports, registrations and statements would not have a Material Adverse Effect on FNB and its subsidiaries. All such reports and statements filed with the Federal Reserve Board, the FDIC, the OCC or other such regulatory authority are collectively referred to herein as the “FNB Reports.” As of their respective dates, the FNB Reports complied in all material respects with all the statutes, rules and regulations enforced or promulgated by the regulatory authority with which they were filed and did not contain any untrue statement of a material fact or omit to state a material fact required to be stated therein or necessary in order to make the statements therein, in light of the circumstances under which they were made, not misleading; and, FNB has not been notified that any such FNB Reports were deficient in any material respect as to form or content. Following the date of this Agreement, FNB shall deliver to Integrity upon its request a copy of any report, registration, statement or other regulatory filing made by FNB or its subsidiaries with the Federal Reserve Board, the FDIC, the OCC or any other such regulatory authority.

Regulatory Reports. Since January 1, 2001, FNB and its subsidiaries have filed all reports, registrations and statements, together with any amendments that were required to be made with respect thereto, that were required to be filed with the Federal Reserve Board, the FDIC, the Office of the Comptroller of the Currency (“OCC”) and any other governmental or regulatory authorities having jurisdiction over FNB or its subsidiaries except to the extent that failure to file such reports, registrations and statements would not have a Material Adverse Effect on FNB and its subsidiaries. All such reports and statements filed with the Federal Reserve Board, the FDIC, the OCC or other such regulatory authority are collectively referred to herein as the “FNB Reports.” As of their respective dates, the FNB Reports complied in all material respects with all the statutes, rules and regulations enforced or promulgated by the regulatory authority with which they were filed and did not contain any untrue statement of a material fact or omit to state a material fact required to be stated therein or necessary in order to make the statements therein, in light of the circumstances under which they were made, not misleading; and, FNB has not been notified that any such FNB Reports were deficient in any material respect as to form or content. Following the date of this Agreement, FNB shall deliver to Integrity United upon its request a copy of any report, registration, statement or other regulatory filing made by FNB or its subsidiaries with the Federal Reserve Board, the FDIC, the OCC or any other such regulatory authority.

Regulatory Reports. Since January 1, 2001, FNB Beckley and its subsidiaries BBI have timely filed all reports, registrations and statements, together with any amendments that were required to be made with respect thereto, that were are required to be filed with (i) the Federal Reserve BoardDeposit Insurance Corporation (the "FDIC") including the Savings Association Insurance Fund ("SAIF"), (ii) the FDICSecurities and Exchange Commission (the "SEC"), (iii) the Office of Thrift Supervision (the Comptroller of the Currency "OTS") and/or (“OCC”iv) and any other governmental or regulatory authorities having jurisdiction over FNB Beckley or its subsidiaries except to the extent that failure to file BBI. All such reports, registrations and statements would not have a Material Adverse Effect on FNB filed by Beckley and its subsidiaries. All such reports and statements filed BBI with the Federal Reserve Board, the FDIC, the OCC OTS, the SEC or other such regulatory authority are collectively referred to herein hereinafter as the “FNB "Regulatory Reports.” ". As of their respective dates, the FNB Regulatory Reports complied in all material respects with all the statutes, rules and regulations enforced or promulgated by the regulatory authority with which they were filed and did not contain any untrue statement of a were accurate in all material fact or omit to state a material fact required to be stated therein or necessary in order to make the statements therein, in light of the circumstances under which they were made, not misleading; and, FNB respects. Neither Beckley nor BBI has not been notified that any such FNB Regulatory Reports were deficient in any material respect as to form or content. Following the date of this Agreement, FNB Beckley and BBI shall deliver to Integrity upon its request NewCo, simultaneous with the filing thereof, a copy of any each report, registration, statement statement, or other regulatory filing made by FNB Beckley or its subsidiaries BBI with the Federal Reserve Board, the FDIC, the OCC OTS, the SEC, or any other regulatory authority unless such regulatory authoritydelivery is contrary to law or regulation.

Regulatory Reports. Since January 1, 20011999, FNB UCB and its subsidiaries have filed all reports, registrations and statements, together with any amendments that were required to be made with respect thereto, that were required to be filed with (i) the Federal Reserve Board, (ii) the FDIC, (iii) the Office of the Comptroller of the Currency Commissioner, and (“OCC”iv) and any other governmental or regulatory authorities having jurisdiction over FNB UCB or its subsidiaries except to the extent that failure to file such reports, registrations and statements would not have a Material Adverse Effect on FNB UCB and its subsidiaries. All such reports and statements filed with the Federal Reserve Board, the FDIC, the OCC Commissioner or other such regulatory authority are collectively referred to herein as the “FNB "UCB Reports.” " As of their respective dates, the FNB UCB Reports complied in all material respects with all the statutes, rules and regulations enforced or promulgated by the regulatory authority with which they were filed and did not contain any untrue statement of a material fact or omit to state a material fact required to be stated therein or necessary in order to make the statements therein, in light of the circumstances under which they were made, not misleading; and, FNB UCB has not been notified that any such FNB UCB Reports were deficient in any material respect as to form or content. Following the date of this Agreement, FNB UCB shall deliver to Integrity Community upon its request a copy of any report, registration, statement or other regulatory filing made by FNB UCB or its subsidiaries with the Federal Reserve Board, the FDIC, the OCC Commissioner or any other such regulatory authority.

Regulatory Reports. Since January 1, 2001, FNB Crescent Financial and its subsidiaries Crescent have filed all reports, registrations and statements, together with any amendments that were required to be made with respect thereto, that were required to be filed with (i) the Federal Reserve Board, (ii) the FDIC, (iii) the Office of the Comptroller of the Currency Commissioner, and (“OCC”iv) and any other governmental or regulatory authorities having jurisdiction over FNB Crescent Financial or its subsidiaries Crescent except to the extent that failure to file such reports, registrations and statements would not have a Material Adverse Effect on FNB Crescent Financial and its subsidiariesCrescent. All such reports and statements filed with the Federal Reserve Board, the FDIC, the OCC Commissioner or other such regulatory authority are collectively referred to herein as the “FNB "Crescent Financial Reports.” " As of their respective dates, the FNB Crescent Financial Reports complied in all material respects with all the statutes, rules and regulations enforced or promulgated by the regulatory authority with which they were filed and did not contain any untrue statement of a material fact or omit to state a material fact required to be stated therein or necessary in order to make the statements therein, in light of the circumstances under which they were made, not misleading; and, FNB Crescent Financial has not been notified that any such FNB Crescent Financial Reports were deficient in any material respect as to form or content. Following the date of this Agreement, FNB Crescent Financial shall deliver to Integrity Centennial upon its request a copy of any report, registration, statement or other regulatory filing made by FNB Crescent Financial or its subsidiaries Crescent with the Federal Reserve Board, the FDIC, the OCC Commissioner or any other such regulatory authority.

Regulatory Reports. Since January 1, 20011999, FNB each of Community and its subsidiaries have Northwestern has filed all reports, registrations and statements, together with any amendments that were required to be made with respect thereto, that were required to be filed with the Federal Reserve Board, the FDIC, (i) the Office of the Comptroller of the Currency (“the "OCC”"), (ii) the FDIC, (iii) the Federal Reserve Board, and (iv) any other governmental or regulatory authorities having jurisdiction over FNB Community or its subsidiaries except to the extent that failure to file such reports, registrations and statements would not have a Material Adverse Effect on FNB and Community or any of its subsidiaries. All such reports reports, registrations and statements filed by Community or Northwestern with the Federal Reserve BoardOCC, the FDIC, the OCC Federal Reserve Board or other such regulatory authority are collectively referred to herein as the “FNB "Community Reports.” " As of their respective dates, the FNB Community Reports complied in all material respects with all the statutes, rules and regulations enforced or promulgated by the regulatory authority with which they were filed and did not contain any untrue statement of a material fact or omit to state a material fact required to be stated therein or necessary in order to make the statements therein, in light of the circumstances under which they were made, not misleading; and, FNB and neither Community nor its subsidiaries has not been notified that any such FNB Community Reports were deficient in any material respect as to form or content. Following the date of this Agreement, FNB Community shall deliver to Integrity upon its request UCB, simultaneous with the filing thereof, a copy of any each report, registration, statement or other regulatory filing made thereafter by FNB Community or any of its subsidiaries subsidiaries, with the Federal Reserve BoardOCC, the FDIC, the OCC Federal Reserve Board or any other such regulatory authority.

Regulatory Reports. Since January 1, 20011995, FNB each of Carolina and its subsidiaries have Richmond Savings has filed all reports, registrations and statements, together with any amendments that were required to be made with respect thereto, that were required to be filed with the Federal Reserve Board, (i) the FDIC, (ii) the Office of North Carolina Savings Institutions Division (the Comptroller of "Division") or the Currency Administrator and (“OCC”iii) and any other governmental or regulatory authorities having jurisdiction over FNB Carolina or its subsidiaries any subsidiary except to the extent that failure to file such reports, registrations and statements would not have a Material Adverse Effect on FNB Carolina and its subsidiaries. All such reports reports, registrations and statements filed by Carolina or Richmond Savings with the Federal Reserve Board, the FDIC, the OCC Division, the Administrator or other such regulatory authority are collectively referred to herein as the “FNB "Carolina Reports.” " As of their respective dates, the FNB Carolina Reports complied in all material respects with all the statutes, rules and regulations enforced or promulgated by the regulatory authority with which they were filed and did not contain any untrue statement of a material fact or omit to state a material fact required to be stated therein or necessary in order to make the statements therein, in light of the circumstances under which they were made, not misleading; and, FNB and neither Carolina nor any of its subsidiaries has not been notified that any such FNB Carolina Reports were deficient in any material respect as to form or content. Following the date of this Agreement, FNB Carolina shall deliver to Integrity upon its request FNB, simultaneous with the filing thereof, a copy of any each report, registration, statement or other regulatory filing made thereafter by FNB Carolina or its subsidiaries any subsidiary, with the Federal Reserve Board, the FDIC, the OCC Division, the Administrator or any other such regulatory authority.

Regulatory Reports. Since January 1, 20011995, FNB and its subsidiaries subsidiary ------------------ have filed all reports, registrations and statements, together with any amendments that were required to be made with respect thereto, that were required to be filed with the Federal Reserve Board, the FDIC, the Office of the Comptroller of the Currency (“"OCC”") and any other governmental or regulatory authorities having jurisdiction over FNB or its subsidiaries subsidiary except to the extent that failure to file such reports, registrations and statements would not have a Material Adverse Effect on FNB and its subsidiariessubsidiary. All such reports and statements filed with the Federal Reserve Board, the FDIC, the OCC or other such regulatory authority are collectively referred to herein as the “"FNB Reports.” " As of their respective dates, the FNB Reports complied in all material respects with all the statutes, rules and regulations enforced or promulgated by the regulatory authority with which they were filed and did not contain any untrue statement of a material fact or omit to state a material fact required to be stated therein or necessary in order to make the statements therein, in light of the circumstances under which they were made, not misleading; and, FNB has not been notified that any such FNB Reports were deficient in any material respect as to form or content. Following the date of this Agreement, FNB shall deliver to Integrity Carolina upon its request a copy of any report, registration, statement or other regulatory filing made by FNB or its subsidiaries subsidiary with the Federal Reserve Board, the FDIC, the OCC or any other such regulatory authority.

Regulatory Reports. Since January 1, 20011998, FNB and its subsidiaries ------------------ have filed all reports, registrations and statements, together with any amendments that were required to be made with respect thereto, that were required to be filed with the Federal Reserve Board, the FDIC, the Office of the Comptroller of the Currency (“"OCC”") and any other governmental or regulatory authorities having jurisdiction over FNB or its subsidiaries except to the extent that failure to file such reports, registrations and statements would not have a Material Adverse Effect on FNB and its subsidiaries. All such reports and statements filed with the Federal Reserve Board, the FDIC, the OCC or other such regulatory authority are collectively referred to herein as the “"FNB Reports.” " As of their respective dates, the FNB Reports complied in all material respects with all the statutes, rules and regulations enforced or promulgated by the regulatory authority with which they were filed and did not contain any untrue statement of a material fact or omit to state a material fact required to be stated therein or necessary in order to make the statements therein, in light of the circumstances under which they were made, not misleading; and, FNB has not been notified that any such FNB Reports were deficient in any material respect as to form or content. Following the date of this Agreement, FNB shall deliver to Integrity Rowan upon its request a copy of any report, registration, statement or other regulatory filing made by FNB or its subsidiaries with the Federal Reserve Board, the FDIC, the OCC or any other such regulatory authority.

Regulatory Reports. Since January 1, 20011995, FNB each of Carolina and its subsidiaries have ------------------ Richmond Savings has filed all reports, registrations and statements, together with any amendments that were required to be made with respect thereto, that were required to be filed with the Federal Reserve Board, (i) the FDIC, (ii) the Office of North Carolina Savings Institutions Division (the Comptroller of "Division") or the Currency Administrator and (“OCC”iii) and any other governmental or regulatory authorities having jurisdiction over FNB Carolina or its subsidiaries any subsidiary except to the extent that failure to file such reports, registrations and statements would not have a Material Adverse Effect on FNB Carolina and its subsidiaries. All such reports reports, registrations and statements filed by Carolina or Richmond Savings with the Federal Reserve Board, the FDIC, the OCC Division, the Administrator or other such regulatory authority are collectively referred to herein as the “FNB "Carolina Reports.” " As of their respective dates, the FNB Carolina Reports complied in all material respects with all the statutes, rules and regulations enforced or promulgated by the regulatory authority with which they were filed and did not contain any untrue statement of a material fact or omit to state a material fact required to be stated therein or necessary in order to make the statements therein, in light of the circumstances under which they were made, not misleading; and, FNB and neither Carolina nor any of its subsidiaries has not been notified that any such FNB Carolina Reports were deficient in any material respect as to form or content. Following the date of this Agreement, FNB Carolina shall deliver to Integrity upon its request FNB, simultaneous with the filing thereof, a copy of any each report, registration, statement or other regulatory filing made thereafter by FNB Carolina or its subsidiaries any subsidiary, with the Federal Reserve Board, the FDIC, the OCC Division, the Administrator or any other such regulatory authority.

Regulatory Reports. Since January 1, 20011998, FNB each of Rowan and its subsidiaries have Rowan ------------------ Bank has filed all reports, registrations and statements, together with any amendments that were required to be made with respect thereto, that were required to be filed with the Federal Reserve Board, (i) the FDIC, (ii) the Office of North Carolina Savings Institutions Division (the Comptroller of "Division") or the Currency Commissioner and (“OCC”iii) and any other governmental or regulatory authorities having jurisdiction over FNB Rowan or its subsidiaries Rowan Bank except to the extent that failure to file such reports, registrations and statements would not have a Material Adverse Effect on FNB Rowan and its subsidiariesRowan Bank. All such reports reports, registrations and statements filed by Rowan or Rowan Bank with the Federal Reserve Board, the FDIC, the OCC Division, the Commissioner or other such regulatory authority are collectively referred to herein as the “FNB "Rowan Reports.” " As of their respective dates, the FNB Rowan Reports complied in all material respects with all the statutes, rules and regulations enforced or promulgated by the regulatory authority with which they were filed and did not contain any untrue statement of a material fact or omit to state a material fact required to be stated therein or necessary in order to make the statements therein, in light of the circumstances under which they were made, not misleading; and, FNB and neither Rowan nor Rowan Bank has not been notified that any such FNB Rowan Reports were deficient in any material respect as to form or content. Following the date of this Agreement, FNB Rowan shall deliver to Integrity upon its request FNB, simultaneous with the filing thereof, a copy of any each report, registration, statement or other regulatory filing made thereafter by FNB Rowan or its subsidiaries Rowan Bank, with the Federal Reserve Board, the FDIC, the OCC Division, the Commissioner or any other such regulatory authority.

Regulatory Reports. Since January 1, 20011995, FNB and its subsidiaries subsidiary have filed all reports, registrations and statements, together with any amendments that were required to be made with respect thereto, that were required to be filed with the Federal Reserve Board, the FDIC, the Office of the Comptroller of the Currency (“"OCC”") and any other governmental or regulatory authorities having jurisdiction over FNB or its subsidiaries subsidiary except to the extent that failure to file such reports, registrations and statements would not have a Material Adverse Effect on FNB and its subsidiariessubsidiary. All such reports and statements filed with the Federal Reserve Board, the FDIC, the OCC or other such regulatory authority are collectively referred to herein as the “"FNB Reports.” " As of their respective dates, the FNB Reports complied in all material respects with all the statutes, rules and regulations enforced or promulgated by the regulatory authority with which they were filed and did not contain any untrue statement of a material fact or omit to state a material fact required to be stated therein or necessary in order to make the statements therein, in light of the circumstances under which they were made, not misleading; and, FNB has not been notified that any such FNB Reports were deficient in any material respect as to form or content. Following the date of this Agreement, FNB shall deliver to Integrity Carolina upon its request a copy of any report, registration, statement or other regulatory filing made by FNB or its subsidiaries subsidiary with the Federal Reserve Board, the FDIC, the OCC or any other such regulatory authority.