Common use of Representations and Warranties of the Undersigned Clause in Contracts

Representations and Warranties of the Undersigned. The undersigned understands that the Shares are being offered and sold pursuant to the exemption from registration provided for in Section 4(2) of the Securities Act of 1933, as amended, (the "Act"), and Rule 506 of Regulation D promulgated thereunder. The undersigned further understands that he is purchasing the Shares without being furnished any offering literature or prospectus other than the Memorandum, that no documents relating to this private placement as such have been filed with or reviewed by the Securities and Exchange Commission or by any administrative agency charged with the administration of the securities laws of any state. All documents, records and books pertaining to this investment have been made available to the undersigned and his representatives, including without limitation his attorney and/or his accountant, and that the books and records of the Company will be available upon reasonable notice for inspection by investors during reasonable business hours at its principal place of business. In addition the undersigned hereby represents and warrants as follows:

Representations and Warranties of the Undersigned. The undersigned understands that the Shares are being offered and sold pursuant to the under an exemption from registration provided for in Section 4(2) of the Securities Act of 1933, as amended, amended (the "Act"), and Rule 506 offering exemptions contained in the securities laws of Regulation D promulgated thereunder. The other jurisdictions; that the undersigned further understands that he is purchasing the Shares without being furnished any offering literature literature, prospectus or prospectus other than the Memorandum, business plan; that no documents relating to this private placement as such have transaction has not been filed with or reviewed examined by the United States Securities and Exchange Commission or by any administrative agency charged with the administration of the securities laws of any state. All other jurisdiction; that all documents, records and books pertaining to this investment requested by the undersigned have been made available by Regent to the undersigned and his the undersigned's representatives, including without limitation his attorney or her attorney, accountant and/or his accountant, purchaser representative; and that the books and records of Regent and the Company Bank have been and will be available upon reasonable notice for inspection by investors during reasonable business hours at its principal place of businessRegent's offices. In addition the The undersigned hereby further represents and warrants as follows: