REPRESENTATIONS AND WARRANTIES OF REGAL BANCORP AND REGALBANK
Except as set forth in REGAL BANCORP DISCLOSURE SCHEDULE 4.11.1, to Regal Bancorp’s Knowledge, Regal Bancorp and each Regal Bancorp Subsidiary is in compliance in all material respects with all applicable federal, state, local and foreign statutes, laws, regulations, ordinances, rules, judgments, orders or decrees applicable to it, its properties, assets and deposits, its business, and its conduct of business and its relationship with its employees, including, without limitation, the Bank Secrecy Act, the USA PATRIOT Act, the Equal Credit Opportunity Act and Regulation B, the Fair Housing Act, the Community Reinvestment Act of 1977, the Fair Credit Reporting Act, the Truth in Lending Act, Regulation Z, the Home Mortgage Disclosure Act, the Fair Debt Collection Practices Act, the Electronic Fund Transfer Act, the Dodd-Frank Wall Street Reform and Consumer Protection Act, any regulations promulgated by the Consumer Financial Protection Bureau and all other applicable fair lending laws and other laws relating to discriminatory business practices and to the origination, sale and servicing of mortgage and consumer loans, and including laws relating to the privacy and security of data or information that constitutes personal data or personal information under applicable law (“Personal Data”). The Board of Directors of Regal Bank have adopted and Regal Bank have implemented an anti-money laundering program that contains adequate and appropriate customer identification verification procedures, that has not been declared ineffective by any Governmental Entity and that meets the requirements of Sections 352 and 326 of the USA PATRIOT Act and the regulations thereunder.
【参考訳】REGAL BANCORP DISCLOSURE SCHEDULE 4.11. 1. Regal Bancorp の知る限り、Regal Bancorp および各 Regal Bancorp 子会社は、同社、その財産、資産、預金、事業、およびその関係 に適用される連邦、州、地方、および外国のすべての適用法令、規制、条例、規則、判決、命令、または判決 をすべての重要な点において遵守しています、 規制 Z、住宅ローン情報開示法、公正債権回収慣行法、電子資金移動法、ドッド・フランク法（ウォール街改革および消費者保護法）、消費者金融保護局が公布した規制、その他適用されるすべての公正貸出法、差別的商慣行、住宅ローンおよび消費者ローンの組成・販売・サービシングに関連するその他の法律、および適用法に基づいて個人データまたは個人情報を構成するデータまたは情報（以下「個人データ」）のプライバシーとセキュリティに関連する法律を含みます。Regal Bank の取締役会は、適切かつ適切な顧客識別確認手順を含み、いかなる政府機関によっても無効と宣言されておらず、米国愛国者法第 352 条および第 326 条とその規制の要件を満たすマネーロンダリング防止プログラムを採用し、Regal Bank はこれを実施しています。
