Company: OSBC
Filing Date: 2025-04-23
Form Type: S-4
Source: 0001104659-25-037832
Chunk: 95

Company: OLD SECOND BANCORP INC
Filing Date: 2025-04-23
Form: S-4
Chunk 95
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ors, other creditors, and customers.

In addition, as required by the CRA, the OCC considers the records of performance of each insured depository institution involved in the merger under the CRA in evaluating the convenience and needs of the communities to be served. The OCC may also consider the resulting bank’s plans for maintaining or enhancing community credit access and any record of fair lending or compliance weaknesses that could impact post-merger operations.

Old Second National Bank’s establishment and operation of branches at the existing branch locations of Evergreen Bank Group is also subject to OCC approval.

#### Public Comments and Notice
Furthermore, the BHC Act, the Bank Merger Act, Federal Reserve Board and OCC regulations require published notice of, and the opportunity for public comment on, the applications to the Federal Reserve Board and OCC, as applicable, and authorize the Federal Reserve Board and OCC to hold a public hearing or meeting if the Federal Reserve Board or OCC, as applicable, determines that a hearing or meeting would be appropriate. The Federal Reserve Board and the OCC takes into account the views of third party commenters, particularly on the subject of the merging parties’ CRA performance and record of service to their communities. As part of the review process in merger transactions, the Federal Reserve and OCC frequently receive protests from community groups and others. Any hearing, meeting or comments provided by third parties could prolong the period during which the applicable application is under review by the Federal Reserve Board or the OCC. As of their last respective CRA examinations, Old Second National Bank received an overall “outstanding,” and Evergreen Bank Group received an overall “satisfactory,” regulatory rating with respect to CRA compliance.

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#### Waiting Periods
Transactions approved under Section 3 of the BHC Act or the Bank Merger Act generally may not be completed until 30 days after the date of approval of the applicable federal agency is received, during which time the Department of Justice, which we refer to as the “DOJ,” may challenge the transaction on antitrust grounds. With the approval of the applicable federal agency and the concurrence of the DOJ, the waiting period may be reduced to no fewer than 15 days. The commencement of an antitrust action would stay the effectiveness of such an approval unless a court specifically ordered otherwise. In reviewing the merger, the DOJ applies its own standards for competitive analysis, which may differ from those used by the Federal Reserve Board or the OCC, and thus it is possible that the DOJ could reach a different conclusion than