Document:

ex10-1.htm

    UNITED
STATES OF AMERICA

    DEPARTMENT
OF THE TREASURY

    OFFICE
OF THE COMPTROLLER OF THE CURRENCY

    

      
        	
                In
      the Matter of:

                Commerce
      Bank/Harrisburg, National Association

                Harrisburg,
      Pennsylvania

              	
                )

                )                  AA-EC-07-74

                )

              

      

CONSENT
ORDER

    

    The
Comptroller of the Currency of the United States of America (“Comptroller”),
through
his National Bank Examiners and other staff, is conducting an investigation of
Commerce Bank/Harrisburg, National Association, Harrisburg, Pennsylvania
(“Bank”).  Certain issues arising from the investigation have been
communicated to the Bank.

    The Bank,
by and through its duly elected and acting Board of Directors (“Board”), has
executed a Stipulation and Consent to the Issuance of a Consent Order, dated
February 5, 2008 (“Stipulation and Consent”), that is accepted by the
Comptroller.  By that Stipulation and Consent, which is incorporated
by reference herein, the Bank has consented to the issuance of this Consent
Order (“Order”) by the Comptroller to ensure that the Bank operates in a safe
and sound manner, consistent with all applicable laws, rules and
regulations.

    Pursuant
to the authority vested in him by the Federal Deposit Insurance Act, as amended,
12 U.S.C. § 1818, the Comptroller hereby orders that:

    

    ARTICLE
I

    

    Restrictions
on Transactions with Certain Parties

    

    (1)           As
of the effective date of this Order, the Bank shall engage in any new
transactions (including Coordinated Transactions) or enter into any new oral or
written contracts or agreements with any Insider or their Related Parties or
with any Designated Party only:

    (a)           after
receiving written notification that the OCC does not object;

    (b)           pursuant
to a detailed policy regarding such transactions, contracts or agreements for
which the Bank has received written notification that the Comptroller does not
object; or

    (c)           as
provided in Article I or Article II of this Order.

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    (2)           The
restrictions contained in paragraph (1) above shall not apply:

    (a)           to
any goods or services provided to the Bank by an Insider or their Related
Parties or by a Designated Party which aggregate to an amount or value of
$10,000 or less per calendar year on an individual basis for each Insider or
each such Insider’s individual Related Parties, or each individual Designated
Party, if provided to the Bank on terms and conditions that the Bank determines
are no less favorable to the Bank than existing market terms and
conditions;

    (b)           to
any goods or services provided by the Bank to Insiders or their Related Parties
or to Designated Parties which:

    (i)           aggregate
to an amount or value of $25,000 or less per calendar year on an individual
basis for each Insider or each such Insider’s individual Related Parties or each
individual Designated  Party, if provided by the Bank on terms and
conditions that the Bank determines are no less favorable to the Bank than
existing market terms and conditions; or

    (ii)           are
provided on such terms and conditions as are advertised to and available to the
general public.

    (c)           to
the payment or award of compensation or other benefits or payments, either
direct or indirect, associated with status as an employee, officer or director
of the Bank to an Insider as remuneration for, or in connection with, their
services as employees, officers or directors of the Bank;

     

     

    
      
        
        

      

      
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    (d)           to
transactions involving existing or future deposit accounts at the Bank held by
an Insider or any of  their Related Parties or held by a
Designated  Party, that are on terms and conditions available to the
general public,

    (e)           to
existing or future extensions of credit by the Bank to an Insider;

    (f)           to
existing or future extensions of credit by the Bank to a Related Party of an
Insider or a Designated Party that are made on terms and conditions available to
the general public; or

    (g)           to
other Bank products or services provided to an Insider or their Related Parties
or to a Designated Party that are provided on terms and conditions available to
the general public;

    (3)           The
Bank shall, within thirty (30) days of the end of each calendar quarter
beginning with the quarter ending March 31, 2008, prepare a list of all
individuals or entities that as of the effective date of this Order were, or at
any time since the effective date of this Order have become, Bank
Vendors.

    (4)           The
Bank shall require each Insider, within forty-five (45) days of the end of each
calendar quarter beginning with the quarter ending March 31, 2008, to disclose
in writing to the Bank the information described in this paragraph:

    (a)           a
list containing each Insider’s Related Parties, describing the Insider’s
relationship with each;

    (b)          a
description of all transactions (including Coordinated Transactions) conducted
and all oral or written contracts or agreements entered into or outstanding
during the immediately preceding calendar quarter (which shall commence with
respect to the quarter ending March 31, 2008), between an Insider or any of
their Related Parties and the Bank (other than transactions, contracts or
agreements permitted by Article I or Article II of this Order); and

     

     

    
      
        
        

      

      
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    (c)           a
description of all transactions (including Coordinated Transactions) conducted
and all oral or written contracts or agreements entered into or outstanding
during the immediately preceding calendar quarter (which shall commence with
respect to the quarter ending March 31, 2008) between the Insider and any
individual or Company on the Bank Vendor list for that calendar quarter (other
than transactions, contracts or agreements by such Insider (i) that aggregate to
an amount or value of $1,000 or less during the calendar quarter, (ii) that were
on such terms and conditions as are or were available to the general public or
similarly situated businesses (including discounts and rate, fee, or price
reductions believed in good faith to be available to the general public or
similarly situated businesses), or (iii) that were negotiated by the Bank and
equally benefit all Bank employees); and

    (d)           a
description of all transactions (including Coordinated Transactions) conducted
and all oral or written contracts or agreements entered into or outstanding
during the immediately preceding calendar quarter (which shall commence with
respect to the quarter ending March 31, 2008) between any Related Party of the
Insider and a Bank Vendor (other than transactions, contracts or agreements by
such Insider’s Related Parties (i) that aggregate to an amount or value of
$1,000 or less during the calendar quarter, (ii) that were on such terms and
conditions as are or were available to the general public or similarly situated
businesses (including discounts and rate, fee, or price reductions believed in
good faith to be available to the general public or similarly situated
businesses),  or (iii)  that were negotiated by the Bank and
equally benefit all Bank employees).

     

     

    
      
        
        

      

      
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    (5)           Within
seventy-five (75) days of the end of each calendar quarter beginning with the
quarter ending March 31, 2008, the Bank shall produce a report to the OCC
containing the information described in this paragraph:

    (a)           
A summary of the information provided by Insiders pursuant to paragraph (4) of
this Article;

    (b)           A
description of all transactions (including Coordinated Transactions) conducted
and all oral or written contracts or agreements entered into or outstanding
during the immediately preceding calendar quarter between any Designated Party
and the Bank (other than transactions, contracts or agreements permitted by
Article I or Article II of this Order).

    

    ARTICLE
II

     

    Existing
Relationships with Certain Parties

     

    (1)           The
Bank may continue existing written contracts and agreements with Insiders or
their Related Parties or with Designated Parties, but shall neither renew or
extend any such contracts or agreements nor enter into any new oral or written
contracts or agreements with Insiders or their Related Parties or with
Designated Parties, except those permitted by Article I or detailed in the
Transition Plan implemented by the Bank following the procedures provided in
this Article.

    (2)           Within
sixty (60) days of the effective date of this Order, the Bank shall provide a
Transition Plan for review by the OCC.  After receiving written
notification that the OCC does not object to the Transition Plan, the Bank shall
immediately implement and thereafter adhere to the Transition
Plan.  The Bank shall not make any changes or modifications to the
Transition Plan without first receiving written notification that the OCC does
not object to such changes or modifications.

     

     

    
      
        
        

      

      
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     (3)           With
respect to all oral or written contracts and agreements with Insiders or their
Related Parties, or Designated Parties, existing as of the effective date of
this Order, except those permitted by Article I, the Transition Plan
shall:

    (a)           Provide
a description of all such contracts and agreements;

    (b)           Provide
an evaluation by the Bank as to whether it is in the best interests of the Bank
to seek to terminate any such contract or agreement.  The Bank may
take into account the legal, financial, operational and customer impact of such
a termination, including any potential liabilities related to terminating the
contract or agreement;

    (c)           If
the Bank determines that terminating such contract or agreement is in the best
interests of the Bank, the Bank shall detail the steps the Bank will seek to
take, including anticipated timeframes, to seek to terminate such contract or
agreement; and

    (d)           Detail
all payments made to or received from such Insiders and their Related Parties
and Designated Parties pursuant to such contracts or agreements since January 1,
2007, other than under contracts or agreements permitted under Article I, and
all payments expected to be made to or received from such Insiders and their
Related Parties and Designated Parties pursuant to such contracts or agreements
through the remainder of the contract or agreement as provided and/or
anticipated under the Transition Plan.

     

     

    
      
        
        

      

      
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ARTICLE
III

    

     

    Review

     

    (1)           Within
sixty (60) days of the effective date of this Order, the Bank shall perform the
review described in the OCC’s letter to the Board of Directors dated February 5,
2008, and provide the results of the review to the OCC.

    

    ARTICLE
IV

     

    Compliance

     

    (1)           The
Board of Directors shall be responsible for ensuring compliance with all aspects
of this Order.

    (2)           In
each instance in which the Bank is required or permitted to submit a proposal to
the OCC, and each instance in which the Bank is required to obtain notice that
the OCC does not object prior to acting, any decision by the OCC concerning such
matters shall be within the sole discretion of the OCC.

            (3)           The
Bank shall fully and timely comply with any OCC request for information, and
shall ensure that each Insider fully and timely complies with any OCC request
for information.

    (4)           The
Bank shall not take any action or make, nor permit any Bank officer, director,
employee or agent, to take any action or to make, any public statement denying,
directly or indirectly, the specific acts, omissions, or violations referenced
in this Order, if any, or otherwise creating the impression that this Order is
without factual basis, other than in defense to any charges made against the
Bank in any administrative, criminal, or civil proceeding.

     

    
      
        
        

      

      
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    ARTICLE
V

     

    Definitions

     

    (1)           The
term “Coordinated Transaction” means any transaction involving the sharing or
division of costs or benefits with the Bank.

    (2)           The
term “Insider” means a Current Director or Senior Executive
Officer.

               
(3)           The term
“Current Director or Senior Executive Officer” means any person who is a
Director or Senior Executive Officer at the date of the applicable transaction,
contract, agreement, report, plan or the review referred to in Article
III.  The terms “Director” and “Senior Executive Officer” shall have
the same meanings as the definitions of those terms in 12 C.F.R.
§ 5.51.

    (4)           The
term “Related Party” means any Company which, at the date of the applicable
transaction, contract, agreement, report, plan or the review referred to in
Article III, is a Related Interest of an Insider, each individual who, at the
date of the applicable transaction, contract, agreement, report, plan or the
review referred to in Article III, is a member of the Immediate Family of an
Insider, and any Company over which any such Immediate Family member has Control
at the date of the applicable transaction, contract, agreement, report, plan or
the review referred to in Article III.  Notwithstanding anything in
this Order to the contrary, the terms Insider, Related Party and Designated
Party do not include Commerce Bank, N.A., Philadelphia, PA (“Commerce
Philadelphia”) or Commerce Bancorp, Inc., or any of their subsidiaries or
affiliates, or any successors thereto, and, for avoidance of doubt, shall not
apply to any services of the type previously provided by InterArch, Inc., that
are provided by employees of Commerce Philadelphia or any subsidiary or
affiliate thereof, or any successors thereto.

     

    
      
        
        

      

      
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    (5)           The
terms “Company,” “Related Interest,” “Immediate Family” and “Control” shall have
the same meaning as the definitions of those terms in § 215.2.

    (6)           The
term “Designated Party” means:

    (a)           Any
person who was at any time since January 1, 1998, a Director or Senior Executive
Officer, but is no longer a Director or Senior Executive Officer as of the date
of the applicable transaction, contract, agreement, report, plan or the review
referred to in Article III;

    (b)          
Any Company over which the Bank knows that such person has Control at the date
of the applicable transaction, contract, agreement, report, plan or the review
referred to in Article III;

    (c)           Each
individual who, at the date of the applicable transaction, contract, agreement,
report, plan or the review referred to in Article III, the Bank knows is a
member of such person’s Immediate Family; and

    (d)          
Any Company over which the Bank knows that any such Immediate Family member has
Control at the date of the applicable transaction, contract, agreement, report,
plan or the review referred to in Article III.

    (7)           The
term “Bank Vendor” means any RE Principal, RE Principal Agent, RE Service
Providers, RE Subcontractor and any other Company or individual with whom the
Bank entered into any oral or written contract or agreement or whom the Bank
otherwise retained to provide any goods or services to the Bank, and is expected
to receive more than $100,000 from the Bank in the current calendar year, or who
received more than $100,000 from the Bank in the immediately preceding calendar
year.  Provided however, notwithstanding anything in this Order to the
contrary, for purposes of this definition, in no instance shall a party be
deemed to be a “Bank Vendor” with respect to any actual or proposed activity
that occurred prior to January 1, 2007.  For avoidance of doubt, the
term “Bank Vendor” does not include a party with whom the Bank did not enter
into any oral or written contract or agreement and did not otherwise retain to
provide goods and services to the Bank.

     

    
      
        
        

      

      
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     (8)           The
term “Real Estate Related Activity” means any ongoing or
completed  transaction by or with the Bank involving (i) the
conveyance of an interest in real estate, or (ii) real estate improvements,
whether relating to new or existing facilities, and includes, but is not limited
to, the purchase by or lease to the Bank of land or real estate improvements,
the sale by or lease from the Bank of land or real estate improvements, real
estate brokerage activity, work relating to obtaining local approvals and
permits, construction management, site development, real estate consulting
services, all aspects of construction (e.g., carpentry, roofing,
electricity, lighting, water, sewage, utilities, painting, roads, driveways,
sidewalks, parking lots), architecture, interior design, interior decoration,
landscaping, surveys, appraisal services, escrow services, title services, real
estate legal services, procurement and maintenance of furniture or fixtures,
space planning and management and renovations.  For avoidance of
doubt, the term “Real Estate Related Activity” does not include transactions as
to which the Bank did not enter into any oral or written contract or
agreement.

    (9)           The
term “RE Principal” means, with respect to any land or real estate improvements,
each Company or individual that is the actual or proposed seller, buyer, lessor
or lessee in regard to Real Estate Related Activity occurring during the current
calendar year or during the immediately preceding calendar
year.  Provided that, notwithstanding anything in this Order to the
contrary, for purposes of this definition, in no instance shall a party be
deemed to be a “RE Principal” with respect to any actual or proposed activity
that occurred prior to January 1, 2007, or with respect to any activity as to
which the Bank did not enter into any oral or written contract or
agreement.

     

    
      
        
        

      

      
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    (10)           The
term “RE Principal Agent” means each Company or individual, to the extent known
to the Bank, acting on behalf of a RE Principal in a transaction that is defined
as Real Estate Related Activity, including, but not limited to, each real estate
agent or broker, to the extent known to the Bank, acting on behalf of a RE
Principal, or expected to be paid by a RE Principal in a transaction that
occurred during the immediately preceding calendar year or that is expected to
occur during the current calendar year.  Provided that,
notwithstanding anything in this Order to the contrary, for purposes of this
definition, in no instance shall a party be deemed to be a “RE Principal Agent”
with respect to any actual or proposed activity that occurred prior to January
1, 2007, or with respect to any activity as to which the Bank did not enter into
any oral or written contract or agreement.

    (11)           The
term “RE Service Provider” means any Company or individual, which, pursuant to a
contract or agreement with the Bank, performs or is proposed to perform work
relating to Real Estate Related Activity and is expected to receive more than
$100,000 from the Bank in the current calendar year, or who received more than
$100,000 from the Bank in the immediately preceding calendar
year.  Provided that, notwithstanding anything in this Order to the
contrary, for purposes of this definition, in no instance shall a party be
deemed to be a “RE Service Provider” with respect to any actual or proposed
activity that occurred prior to January 1, 2007, or with respect to any activity
as to which the Bank did not enter into any oral or written contract or
agreement.

    (12)           The
term “RE Subcontractor” means any Company or individual, who, pursuant to any
oral or written contract or agreement with a RE Service Provider relating to
Real Estate Related Activity and who, to the knowledge of the Bank, is expected
to receive more than $100,000 in the current calendar year or received more than
$100,000 in the immediately preceding calendar year with respect to Real Estate
Related Activity.  Provided that, notwithstanding anything in this
Order to the contrary, for purposes of this definition, in no instance shall a
party be deemed to be a “RE Subcontractor” with respect to any actual or
proposed activity that occurred prior to January 1, 2007.

     

    
      
        
        

      

      
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    (13)           The
term “Transition Plan” means that plan described in Article II of this
Order.

    (14)           The
term “OCC” means the Office of the Comptroller of the Currency.

    (15)           Notwithstanding
anything in this Order to the contrary, the terms Bank Vendor, RE Principal, RE
Principal Agent, RE Service Provider, and RE Subcontractor do not include
Commerce Philadelphia, Commerce Bancorp Inc., or any of their subsidiaries or
affiliates, or any successors thereto.

    

    
       
ARTICLE
VI

    

     

    Closing

    

    (1)           Although
the Bank is required to submit certain proposed actions, policies and procedures
for the review by the OCC, and the OCC may provide written notice to the Bank
that it does not object to such proposed actions, policies or procedures, the
Board has the ultimate responsibility for proper and sound management of the
Bank.

    (2)           Subject
to the provisions of Article IV, paragraph (1) of the Stipulation
and

    Consent,
it is expressly and clearly understood that if at any time the Comptroller deems
it appropriate in fulfilling the responsibilities placed upon him by the several
laws of the United States of America to undertake any action affecting the Bank,
nothing in this Order shall in any way inhibit, estop, bar or otherwise prevent
the Comptroller from doing so.

     

    
      
        
        

      

      
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    (3)           Any
time limitations imposed by this Order shall begin to run from the effective
date of this Order, unless otherwise stated.  All submissions required
to be made pursuant to this Order shall be addressed to:

     

    Deputy
Comptroller

    Mid-Size Bank Supervision

    Office of the Comptroller of the
Currency

    250 E. Street, S.W.

    Washington,
D.C.  20219

     

    with a
copy addressed to:

     

    William
D. Haas

    Assistant
Deputy Comptroller

    Midsize
Bank Supervision

    440 South
LaSalle, Suite 2700

    Chicago,
IL 60605

    

    (4)           The
provisions of this Order are effective upon issuance of this Order by the
Comptroller, through his authorized representative whose hand appears below, and
shall remain effective and enforceable, except to the extent that, and until
such time as, any provisions of this Order shall have been amended, suspended,
waived, or terminated in writing by the Comptroller.

    (5)           In
each instance in this Order in which the Bank or the Board is required to ensure
adherence to, and undertake to perform certain obligations of the Bank, it is
intended to mean that the Board shall:

    (a)           Authorize
and adopt such actions on behalf of the Bank as may be necessary for the Bank to
perform its obligations and undertakings pursuant to the terms of this
Order;

     

    
      
        
        

      

      
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    (b)           Require
the timely reporting by Bank management of such actions directed by the Board to
be taken pursuant to the terms of this Order;

    (c)           Follow-up
on any non-compliance with such actions in a timely and appropriate manner;
and

    (d)           Require
corrective action be taken in a timely manner of any non-compliance with such
actions.

    (6)           This
Order is intended to be, and shall be construed to be, a final order issued
pursuant to 12 U.S.C. § 1818(b), and expressly does not form, and may not be
construed to form, a contract binding on the Comptroller or the United
States.

    (7)           The
terms of this Order, including this paragraph, are not subject to amendment or
modification by any extraneous expression, prior agreements or prior
arrangements between the parties, whether oral or written.

     

    IT IS SO ORDERED, this 5th day of
February, 2008.

    

    

     /s/ Timothy W.
Long                                                      

    Timothy
W. Long

    Senior
Deputy Comptroller

    Mid-Size/Community
Bank Supervision

     

    14ex10-2.htm

    UNITED
STATES OF AMERICA

    DEPARTMENT
OF THE TREASURY

    OFFICE
OF THE COMPTROLLER OF THE CURRENCY

    

      

      
        	
                In
      the Matter of:

                Commerce
      Bank/Harrisburg, N.A.

                Harrisburg,
      Pennsylvania

              	
                )

                )                  AA-EC-08-03

                )

                 

                 

              

      

      
 

      STIPULATION
AND CONSENT TO THE ISSUANCE OF A CONSENT ORDER

    

    

    WHEREAS,
the Comptroller of the Currency of the United States of America (“Comptroller”),
through his National Bank Examiners and other staff, is conducting an
investigation of Commerce Bank/Harrisburg, N.A., Harrisburg, Pennsylvania
(“Bank”); and

    WHEREAS,
certain issues arising from the investigation have been communicated to the
Bank; and

    WHEREAS,
the Bank, by and through its duly elected and acting Board of Directors
(“Board”), in the interest of cooperation and to ensure that the Bank operates
in a safe and sound manner and in compliance with applicable laws and
regulations, consents to the issuance of a Consent Order, dated February 5, 2008
(“Order”) without any adjudication on the merits.

    THEREFORE,
in consideration of the above premises, the Comptroller, through his authorized
representative, and the Bank, through its duly elected and acting Board of
Directors, hereby stipulate and agree to the following:

    

    ARTICLE
I

     

    Jurisdiction

    
    

    (1)           The
Bank is a national banking association chartered and examined by the Comptroller
pursuant to the National Bank Act of 1864, as amended, 12 U.S.C. § 1
et seq.

     

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    (2)           The
Comptroller is “the appropriate Federal banking agency” regarding the Bank
pursuant to 12 U.S.C. §§ 1813(q) and 1818(b).

    (3)           The
Bank is an “insured depository institution” within the meaning of 12 U.S.C.
§ 1818(b)(1).

    

    ARTICLE
II

     

    Agreement

    
    

    (1)           The
Bank, without admitting or denying any wrongdoing, hereby consents and agrees to
the issuance of the Order by the Comptroller.

    (2)           The
Bank further agrees that said Order shall be deemed an “order issued with the
consent of the depository institution” as defined in 12 U.S.C.
§ 1818(h)(2), and consents and agrees that said Order shall become
effective upon its issuance and shall be fully enforceable by the Comptroller
under the provisions of 12 U.S.C. § 1818(i).

    (3)           Notwithstanding
the absence of mutuality of obligation, or of consideration, or of a contract,
the Comptroller may enforce any of the commitments or obligations herein
undertaken by the Bank under his supervisory powers, including 12 U.S.C.
§ 1818(i), and not as a matter of contract law.  The Bank
expressly acknowledges that neither the Bank nor the Comptroller has any
intention to enter into a contract.

    (4)           The
Bank also expressly acknowledges that no officer or employee of the Comptroller
has statutory or other authority to bind the United States, the U.S. Treasury
Department, the Comptroller, or any other federal bank regulatory agency or
entity, or any officer or employee of any of those entities to a contract
affecting the Comptroller’s exercise of his supervisory
responsibilities.

     

    
      
        
        

      

      
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    ARTICLE
III

     

    Waivers

    
    

    (1)           The
Bank, by signing this Stipulation and Consent, hereby waives:

    (a)           the
issuance of a Notice of Charges pursuant to 12 U.S.C.
§ 1818(b);

    (b)           any
and all procedural rights available in connection with the issuance of the
Order;

    (c)           all
rights to a hearing and a final agency decision pursuant to 12 U.S.C.
§ 1818(i), 12 C.F.R. Part 19;

    (d)           all
rights to seek any type of administrative or judicial review of the Order;
and

    (e)           any
and all rights to challenge or contest the validity of the Order.

    

    ARTICLE
IV

     

    Other
Action

     

    (1)           Notwithstanding
Article II, paragraphs (3) and (4), the OCC does release and discharge the Bank
only from all potential claims and charges that might have been asserted by the
OCC, including with regard to civil money penalties, in regard to Real Estate
Related Activity entered into, commenced or engaged in between the Bank and any
Insiders or their Related Parties, or Designated Parties prior to the date of
the Order to the extent known to the OCC as of the date of the Order and
specifically including the transactions, contracts and agreements disclosed to
the OCC in the Bank’s letter dated February 5, 2008.  This release
shall not preclude or affect any right of the OCC to determine and ensure
compliance with the terms and provisions of the Order.

     

     

    
      
        
        

      

      
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    (2)           The
Bank understands and agrees, subject to Article IV, paragraph (1), that the
provisions of this Stipulation and Consent shall not inhibit, estop, bar, or
otherwise prevent the Comptroller from taking any other action affecting the
Bank, or any of its Institution-Affiliated Parties if, at any time, he deems it
appropriate to do so to fulfill the responsibilities placed upon him by the
several laws of the United States of America.

    (3)           This
Stipulation and Consent may be executed in counterparts by the Comptroller and
by the Directors of the Bank after approval of its execution at a duly called
board meeting.

    (4)           This
Stipulation and Consent may be executed in duplicate originals by the
Comptroller and by the Directors of the Bank and the Order may be executed in
duplicate originals by the Comptroller.

    IN
TESTIMONY WHEREOF, the undersigned, authorized by the Comptroller as
his

    representative,
has hereunto set his hand on behalf of the Comptroller.

     

    
      

        
          	
                  /s/
      Timothy W. Long

                  Timothy
      W. Long

                  Senior
      Deputy Comptroller

                  Mid-Size/Community
      Bank Supervision

                   

                	
                  02/05/2008

                  Date

                

        

        

        

        IN
TESTIMONY WHEREOF, the undersigned, as the duly elected and acting Board
of

        Directors
of the Bank, have hereunto set their hands on behalf of the
Bank.

        

          
            
               

            

            
              4

              
                

              

            

            
               

            

          

      

    

    
      	
               

               

               

               

              /s/
      Gary L. Nalbandian

            	 	
               

               

               

               

              02/05/2008

            
	
              Gary
      L. Nalbandian

               

               

              /s/
      James R. Adair

            	 
      	
              Date

               

               

              02/05/2008

            
	
              James
      R. Adair

               

               

              /s/
      John J. Cardello, CPA

            	 
      	
              Date

               

               

              02/05/2008

            
	
              John
      J. Cardello, CPA

               

               

              /s/
      Douglas S. Gelder

            	 
      	
              Date

               

               

              02/05/2008

            
	
              Douglas
      S. Gelder

               

               

              /s/
      Alan R. Hassman

            	 
      	
              Date

               

               

              02/05/2008

            
	
              Alan
      R. Hassman

               

               

              /s/
      Howell C. Mette

            	 
      	
              Date

               

               

              02/05/2008

            
	
              Howell
      C. Mette

               

               

              /s/
      Michael A. Serluco

            	 
      	
              Date

               

               

              02/05/2008

            
	
              Michael A. Serluco

               

               

              /s/
      Samir J. Srouji, M.D.

            	 
      	
              Date

               

               

              02/05/2008

            
	
              Samir
      J. Srouji, M.D.

               

               

              /s/
      Jay W. Cleveland, Jr.

            	 
      	
              Date

               

               

              02/05/2008

            
	
              Jay
      W. Cleveland Jr.

            	 
      	
              Date

            

    

    

    

    

    

    5

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00136-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00136-of-00352.parquet"}]]