REPRESENTATIONS AND WARRANTIES OF SR BANCORP AND SOMERSETSAVINGS
To SR Bancorp’s Knowledge, Somerset Bank and each Somerset Bank 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 Personal Data. The Board of Directors of Somerset Bank has adopted and Somerset Bank has 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】SR社の知る限り、サマセットバンクおよびサマセットバンクの各子会社は、銀行秘密法、米国パトリオット法、信用機会均等法およびレギュレーションB、公正住宅法、1977年地域再投資法、公正信用報告法、1977年地域再投資法を含むがこれらに限定されない、同社、同社の不動産、資産および預金、同社の事業、同社の事業運営および従業員との関係に適用される連邦、州、地方および外国の適用されるすべての法令、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る、 公正信用報告法、真実の貸付法、規則Z、住宅抵当情報開示法、公正債権回収慣行法、電子資金移動法、ドッド・フランク・ウォール街改革および消費者保護法、消費者金融保護局によって公布された規制、その他適用されるすべての公正貸付法、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。サマセット銀行の取締役会は、適切かつ適切な顧客本人確認手続を含み、いかなる政府機関からも無効と宣言されておらず、米国愛国者法第352条及び第326条並びにそれに基づく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択し、サマセット銀行は実施しています。
