AGREEMENT AND PLAN OF MERGER

REPRESENTATIONS AND WARRANTIES OF REGAL BANCORP AND REGALBANK

---

Prior to the date of this Agreement, Regal Bancorp has made available to Somerset Bank true and correct copies of the certificate of incorporation and bylaws of Regal Bancorp and Regal Bank.

---

【参考訳】本契約の日付以前に、Regal Bancorp は Somerset Bank に対して、Regal Bancorp および Regal Bank の法人設立証明書および細則の真正かつ正確なコピーを提供している。