REPRESENTATIONS AND WARRANTIES OF REGAL BANCORP AND REGAL BANK. Regal Bancorp and Regal Bank represent and warrant to SR Bancorp and Somerset Bank that the statements contained in this Article IV are correct and complete as of the date of this Agreement and will be correct and complete as of the Closing Date (as though made then and as though the Closing Date were substituted for the date of this Agreement throughout this Article IV), except as set forth in the REGAL BANCORP DISCLOSURE SCHEDULE, and except as to any representation or warranty that specifically relates to an earlier date. Regal Bancorp and Regal Bank have made a good faith effort to ensure that the disclosure on each schedule of the REGAL BANCORP DISCLOSURE SCHEDULE corresponds to the section referenced herein. However, for purposes of the REGAL BANCORP DISCLOSURE SCHEDULE, any item disclosed on any schedule therein is deemed to be fully disclosed with respect to all schedules under which such item may be relevant and to the extent that it is reasonably clear on the face of such schedule that such item applies to such other schedule. References to the Knowledge of Regal Bancorp shall include the Knowledge of Regal Bank.
