Common use of Agreements with Regulatory Agencies Clause in Contracts

Agreements with Regulatory Agencies. Neither Cascade nor any of its Subsidiaries is subject to any cease-and-desist or other order or enforcement action issued by, or is a party to any written agreement, consent agreement or memorandum of understanding with, or is a party to any commitment letter or similar undertaking to, or is subject to any order or directive by, or has been ordered to pay any civil money penalty by, or has been since January 1, 2010, a recipient of any supervisory letter from, or since January 1, 2010, has adopted any policies, procedures or board resolutions at the request or suggestion of any Regulatory Agency or other Governmental Entity that currently restricts in any material respect the conduct of its business or that in any material manner relates to its capital adequacy, its ability to pay dividends, its credit or risk management policies, its management or its business (each, whether or not set forth in the Cascade Disclosure Schedule, a “Cascade Regulatory Agreement”), nor has Cascade or any of its Subsidiaries been advised since January 1, 2010, by any Regulatory Agency or other Governmental Entity that it is considering issuing, initiating, ordering or requesting any such Cascade Regulatory Agreement.

Agreements with Regulatory Agencies. Neither Cascade First Financial nor any of its Subsidiaries is subject to any cease-and-desist or other order or enforcement action issued by, or is a party to any written agreement, consent agreement or memorandum of understanding with, or is a party to any commitment letter or similar undertaking to, or is subject to any order or directive by, or has been ordered to pay any civil money penalty by, or has been since January 1, 20102014, a recipient of any supervisory letter from, or since January 1, 20102014, has adopted any policies, procedures or board resolutions at the request or suggestion of any Regulatory Agency or other Governmental Entity that currently restricts in any material respect the conduct of its business or that in any material manner relates to its capital adequacy, its ability to pay dividends, its credit or risk management policies, its management or its business (each, whether or not set forth in the Cascade First Financial Disclosure Schedule, a “Cascade First Financial Regulatory Agreement”), nor has Cascade First Financial or any of its Subsidiaries been advised since January 1, 20102014, by any Regulatory Agency or other Governmental Entity of any potential action that it is considering issuing, initiating, ordering could restrict the business of First Financial or requesting any such Cascade Regulatory Agreementof its Subsidiaries in any material respect.

Agreements with Regulatory Agencies. Neither Cascade First Financial nor any of its Subsidiaries is subject to any cease-and-desist or other order or enforcement action issued by, or is a party to any written agreement, consent agreement or memorandum of understanding with, or is a party to any commitment letter or similar undertaking to, or is subject to any order or directive by, or has been ordered to pay any civil money penalty by, or has been since January 1, 20102015, a recipient of any supervisory letter from, or since January 1, 20102015, has adopted any policies, procedures or board resolutions at the request or suggestion of any Regulatory Agency or other Governmental Entity that currently restricts in any material respect the conduct of its business or that in any material manner relates to its capital adequacy, its ability to pay dividends, its credit or risk management policies, its management or its business (each, whether or not set forth in the Cascade First Financial Disclosure Schedule, a “Cascade First Financial Regulatory Agreement”), nor has Cascade First Financial or any of its Subsidiaries been advised since January 1, 20102015, by any Regulatory Agency or other Governmental Entity of any potential action that it is considering issuing, initiating, ordering could restrict the business of First Financial or requesting any such Cascade Regulatory Agreementof its Subsidiaries in any material respect.

Agreements with Regulatory Agencies. Neither Cascade Xenith nor any of its Subsidiaries is subject to any cease-and-desist or other order or enforcement action issued by, or is a party to any written agreement, consent agreement or memorandum of understanding with, or is a party to any commitment letter or similar undertaking to, or is subject to any order or directive by, or has been ordered to pay any civil money penalty by, or has been since January 1, 20102012, a recipient of any supervisory letter from, or since January 1, 20102012, has adopted any policies, procedures or board resolutions at the request or suggestion of any Regulatory Agency or other Governmental Entity that currently restricts in any material respect the conduct of its business or that in any material manner relates to its capital adequacy, its ability to pay dividends, its credit or risk management policies, its management or its business (each, whether or not set forth in the Cascade Xenith Disclosure Schedule, a “Cascade Xenith Regulatory Agreement”), nor has Cascade Xenith or any of its Subsidiaries been advised since January 1, 20102012, by any Regulatory Agency or other Governmental Entity that it is considering issuing, initiating, ordering ordering, or requesting any such Cascade Xenith Regulatory Agreement.

Agreements with Regulatory Agencies. Neither Cascade the Company nor any of its Subsidiaries is subject to any cease-and-desist or other order or enforcement action issued by, or is a party to any written agreement, consent agreement or memorandum of understanding with, or is a party to any commitment letter or similar undertaking to, or is subject to any order or directive by, or has been ordered to pay any civil money penalty by, or has been since January 1, 20102017, a recipient of any supervisory letter from, or since January 1, 20102017, has adopted any policies, procedures or board resolutions at the request or suggestion of any Regulatory Agency or other Governmental Entity that currently restricts in any material respect the conduct of its business or that in any material manner relates to its capital adequacy, its ability to pay dividends, its credit or risk management policies, its management or its business (each, whether or not set forth in the Cascade Company Disclosure Schedule, a “Cascade Company Regulatory Agreement”), nor has Cascade the Company or any of its Subsidiaries been advised in writing or, to the knowledge of the Company, otherwise since January 1, 20102017, by any Regulatory Agency or other Governmental Entity that it is considering issuing, initiating, ordering ordering, or requesting any such Cascade Company Regulatory Agreement.

Agreements with Regulatory Agencies. Neither Cascade the Company nor any of its Subsidiaries is subject to any cease-and-desist or other order or enforcement action issued by, or is a party to any written agreement, consent agreement or memorandum of understanding with, or is a party to any commitment letter or similar undertaking to, or is subject to any order or directive by, or has been ordered to pay any civil money penalty by, or has been since January 1, 20102013, a recipient of any supervisory letter from, or since January 1, 20102013, has adopted any policies, procedures or board resolutions at the request or suggestion of any Regulatory Agency or other Governmental Entity that currently restricts in any material respect the conduct of its business or that in any material manner relates to its capital adequacy, its ability to pay dividends, its credit or risk management policies, its management or its business (each, whether or not set forth in the Cascade Company Disclosure Schedule, a “Cascade Company Regulatory Agreement”), nor has Cascade the Company or any of its Subsidiaries been advised in writing since January 1, 20102013, by any Regulatory Agency or other Governmental Entity that it is considering issuing, initiating, ordering ordering, or requesting any such Cascade Company Regulatory Agreement.

Agreements with Regulatory Agencies. Neither Cascade Radian nor any of its Subsidiaries is subject to any cease-and-desist or other order or enforcement action issued by, or is a party to any written agreement, consent agreement or memorandum of understanding with, or is a party to any commitment letter or similar undertaking to, or is subject to any order or directive by, or has been ordered to pay any civil money penalty by, or has been since January 1, 20102002, a recipient of any supervisory letter from, or since January 1, 20102002, has adopted any policies, procedures or board resolutions at the request or suggestion of any Regulatory Agency or other Governmental Entity that currently restricts in any material respect the conduct of its business or that in any material manner relates to its capital adequacy, its ability to pay dividends, its credit or risk management policies, its management or its business (each, whether or not set forth in the Cascade Radian Disclosure Schedule, a “Cascade Radian Regulatory Agreement”), nor has Cascade Radian or any of its Subsidiaries been advised since January 1, 20102002, by any Regulatory Agency or other Governmental Entity that it is considering issuing, initiating, ordering ordering, or requesting any such Cascade Radian Regulatory Agreement.

Agreements with Regulatory Agencies. Neither Cascade the Company nor any of its Subsidiaries is subject to any cease-and-desist or other order or enforcement action issued by, or is a party to any written agreement, consent agreement or memorandum of understanding with, or is a party to any commitment letter or similar undertaking to, or is subject to any order or directive by, or has been ordered to pay any material civil money penalty by, or has been since January 1, 20102015, a recipient of any supervisory letter from, or since January 1, 20102015, has adopted any policies, procedures or board resolutions at the request or suggestion of any Regulatory Agency or other Governmental Entity that currently restricts in any material respect the conduct of its business or that in any material manner relates to its capital adequacy, its ability to pay dividends, its credit or risk management policies, its management or its business (each, whether or not set forth in the Cascade Company Disclosure Schedule, a “Cascade Company Regulatory Agreement”), nor has Cascade the Company or any of its Subsidiaries been advised in writing since January 1, 20102015, by any Regulatory Agency or other Governmental Entity that it is presently considering issuing, initiating, ordering ordering, or requesting any such Cascade Company Regulatory Agreement.

Agreements with Regulatory Agencies. Neither Cascade Purchaser nor any of its Subsidiaries is subject to any cease-and-desist or other order or enforcement action issued by, or is a party to any written agreement, consent agreement or memorandum of understanding with, or is a party to any commitment letter or similar undertaking to, or is subject to any order or directive by, or has been ordered to pay any civil money penalty by, or has been since January 1, 20102015, a recipient of any supervisory letter from, or since January 1, 20102015, has adopted any policies, procedures or board resolutions at the request or suggestion of any Regulatory Agency or other Governmental Entity that currently restricts in any material respect the conduct of its business or that in any material manner relates to its capital adequacy, its ability to pay dividends, its credit or risk management policies, its management or its business (each, whether or not set forth in the Cascade Purchaser Disclosure Schedule, a “Cascade Purchaser Regulatory Agreement”), nor has Cascade Purchaser or any of its Subsidiaries been advised in writing since January 1, 20102015, by any Regulatory Agency or other Governmental Entity that it is considering issuing, initiating, ordering or requesting any such Cascade Purchaser Regulatory Agreement.

Agreements with Regulatory Agencies. Neither Cascade the Company nor any of its Subsidiaries is subject to any cease-and-desist or other order or enforcement action issued by, or is a party to any written agreement, consent agreement or memorandum of understanding with, or is a party to any commitment letter or similar undertaking to, or is subject to any order or directive by, or has been ordered to pay any civil money penalty by, or has been since January 1, 20102015, a recipient of any supervisory letter from, or since January 1, 20102015, has adopted any policies, procedures or board resolutions at the request or suggestion of any Regulatory Agency or other Governmental Entity that currently restricts in any material respect the conduct of its business or that in any material manner relates to its capital adequacy, its ability to pay dividends, its credit or risk management policies, its management or its business (each, whether or not set forth in the Cascade Company Disclosure Schedule, a “Cascade Company Regulatory Agreement”), nor has Cascade the Company or any of its Subsidiaries been advised in writing, or to the Company’s knowledge, orally, since January 1, 20102015, by any Regulatory Agency or other Governmental Entity that it is considering issuing, initiating, ordering ordering, or requesting any such Cascade Company Regulatory Agreement.

Agreements with Regulatory Agencies. Neither Cascade HRB nor any of its Subsidiaries is subject to any cease-and-desist or other order or enforcement action issued by, or is a party to any written agreement, consent agreement or memorandum of understanding with, or is a party to any commitment letter or similar undertaking to, or is subject to any order or directive by, or has been ordered to pay any civil money penalty by, or has been since January 1, 20102012, a recipient of any supervisory letter from, or since January 1, 20102012, has adopted any policies, procedures or board resolutions at the request or suggestion of any Regulatory Agency or other Governmental Entity that currently restricts in any material respect the conduct of its business or that in any material manner relates to its capital adequacy, its ability to pay dividends, its credit or risk management policies, its management or its business (each, whether or not set forth in the Cascade HRB Disclosure Schedule, a “Cascade HRB Regulatory Agreement”), nor has Cascade HRB or any of its Subsidiaries been advised since January 1, 20102012, by any Regulatory Agency or other Governmental Entity that it is considering issuing, initiating, ordering or requesting any such Cascade HRB Regulatory Agreement.

Agreements with Regulatory Agencies. Neither Cascade Anchor nor any of its Subsidiaries is subject to any cease-and-desist or other order or enforcement action issued by, or is a party to any written agreement, consent agreement or memorandum of understanding with, or is a party to any commitment letter or similar undertaking to, or is subject to any order or directive by, or has been ordered to pay any civil money penalty by, or has been since January July 1, 20102014, a recipient of any supervisory letter from, or since January July 1, 20102014, has adopted any policies, procedures or board resolutions at the request or suggestion of of, any Regulatory Agency or other Governmental Entity that currently restricts in any material respect the conduct of its business or that in any material manner relates to its capital adequacy, its ability to pay dividends, its credit or risk management policies, its management or its business (each, whether or not set forth in the Cascade Anchor Disclosure Schedule, a “Cascade "Anchor Regulatory Agreement”"), nor has Cascade Anchor or any of its Subsidiaries been advised since January July 1, 20102014, by any Regulatory Agency or other Governmental Entity that it is considering issuing, initiating, ordering ordering, or requesting any such Cascade Anchor Regulatory Agreement.

Agreements with Regulatory Agencies. Neither Cascade Purchaser nor any of its Subsidiaries is subject to any cease-and-desist or other order or enforcement action issued by, or is a party to any written agreement, consent agreement or memorandum of understanding with, or is a party to any commitment letter or similar undertaking to, or is subject to any order or directive by, or has been ordered to pay any civil money penalty by, or has been since January 1, 20102015, a recipient of any supervisory letter from, or since January 1, 20102015, has adopted any policies, procedures or board resolutions at the request or suggestion of any Regulatory Agency or other Governmental Entity that currently restricts in any material respect the conduct of its business or that in any material manner relates to its capital adequacy, its ability to pay dividends, its credit or risk management policies, its management or its business (each, whether or not set forth in the Cascade Purchaser Disclosure Schedule, a “Cascade "Purchaser Regulatory Agreement”"), nor has Cascade Purchaser or any of its Subsidiaries been advised in writing since January 1, 20102015, by any Regulatory Agency or other Governmental Entity that it is considering issuing, initiating, ordering or requesting any such Cascade Purchaser Regulatory Agreement.

Agreements with Regulatory Agencies. Neither Cascade Summit nor any of its Subsidiaries is subject to any cease-and-desist or other order or enforcement action issued by, or is a party to any written agreement, consent agreement or memorandum of understanding with, or is a party to any commitment letter or similar undertaking to, or is subject to any order or directive by, or has been ordered to pay any civil money penalty by, or has been since January 1, 20101997, a recipient of any supervisory letter from, or since January 1, 20101997, has adopted any policies, procedures or board resolutions at the request or suggestion of any Regulatory Agency or other Governmental Entity that currently restricts in any material respect the conduct of its business or that in any material manner relates to its capital adequacy, its ability to pay dividends, its credit or risk management policies, its management or its business (eacheach item in this sentence, whether or not set forth in the Cascade Summit Disclosure Schedule, a “Cascade "Summit Regulatory Agreement”"), nor has Cascade Summit or any of its Subsidiaries been advised since January 1, 20101997, by any Regulatory Agency or other Governmental Entity that it is considering issuing, initiating, ordering ordering, or requesting any such Cascade Summit Regulatory Agreement.

Agreements with Regulatory Agencies. Neither Cascade Company nor any of its Subsidiaries is subject to any cease-and-desist or other order or enforcement action issued by, or is a party to any written agreement, consent agreement or memorandum of understanding with, or is a party to any commitment letter or similar undertaking to, or is subject to any order or directive by, or has been ordered to pay any civil money penalty by, or has been since January 1, 20102013, a recipient of any supervisory letter from, or since January 1, 20102013, has adopted any policiesboard resolutions, policies or procedures or board resolutions at the request or suggestion of any Regulatory Agency or other Governmental Entity that by its terms currently restricts in any material respect the conduct of its business or that in any material manner relates to its capital adequacy, its ability to pay dividends, its credit or risk management policies, its management or its business (each, whether or not set forth in the Cascade Company Disclosure Schedule, a “Cascade Company Regulatory Agreement”), nor has Cascade Company or any of its Subsidiaries been advised in writing since January 1, 20102013, by any Regulatory Agency or other Governmental Entity that it is considering issuing, initiating, ordering ordering, or requesting any such Cascade Company Regulatory Agreement.

Agreements with Regulatory Agencies. Neither Cascade the Company nor any of its Subsidiaries is subject to any cease-and-desist or other order or enforcement action issued by, or is a party to any written agreement, consent agreement or memorandum of understanding with, or is a party to any commitment letter or similar undertaking to, or is subject to any order or directive by, or has been ordered to pay any civil money penalty by, or has been since January 1, 20102014, a recipient of any supervisory letter from, or since January 1, 20102014, has adopted any policies, procedures or board resolutions at the request or suggestion of any Regulatory Agency or other Governmental Entity that currently restricts in any material respect the conduct of its business or that in any material manner relates to its capital adequacy, its ability to pay dividends, its credit or risk management policies, its management or its business (each, whether or not set forth in the Cascade Company Disclosure Schedule, a “Cascade "Company Regulatory Agreement”"), nor has Cascade the Company or any of its Subsidiaries been advised in writing since January 1, 20102014, by any Regulatory Agency or other Governmental Entity that it is considering issuing, initiating, ordering ordering, or requesting any such Cascade Company Regulatory Agreement.. 3.15

Agreements with Regulatory Agencies. Neither Cascade Sterling nor any of its Subsidiaries is subject to any cease-and-desist or other order or enforcement action issued by, or is a party to any written agreement, consent agreement or memorandum of understanding with, or is a party to any commitment letter or similar undertaking to, or is subject to any order or directive by, or has been ordered to pay any civil money penalty by, or has been since January 1, 20102011, a recipient of any supervisory letter from, or since January 1, 20102011, has adopted any policies, procedures or board resolutions at the request or suggestion of any Regulatory Agency or other Governmental Entity Entity, in any such case, that currently restricts in any material respect the conduct of its business or that in any material manner relates to its capital adequacy, its ability to pay dividends, its credit or risk management policies, its management or its business (each, whether or not set forth in the Cascade Sterling Disclosure Schedule, a “Cascade "Sterling Regulatory Agreement”"), nor has Cascade Sterling or any of its Subsidiaries been advised since January 1, 20102011, by any Regulatory Agency or other Governmental Entity that it is considering issuing, initiating, ordering ordering, or requesting any such Cascade Sterling Regulatory Agreement.

Agreements with Regulatory Agencies. Neither Cascade the Company nor any of its Subsidiaries is subject to any cease-and-desist or other order or enforcement action issued by, or is a party to any written agreement, consent agreement or memorandum of understanding with, or is a party to any commitment letter or similar undertaking to, or is subject to any order or directive by, or has been ordered to pay any civil money penalty by, or has been since January 1, 20102016, a recipient of any supervisory letter from, or since January 1, 20102015, has adopted any policies, procedures or board resolutions at the request or suggestion of any Regulatory Agency or other Governmental Entity that currently restricts in any material respect the conduct of its business or that in any material manner relates to its capital adequacy, its ability to pay dividends, its credit or risk management policies, its management or its business (each, whether or not set forth in the Cascade Company Disclosure Schedule, a “Cascade "Company Regulatory Agreement”"), nor has Cascade the Company or any of its Subsidiaries been advised in writing since January 1, 20102015, by any Regulatory Agency or other Governmental Entity that it is considering issuing, initiating, ordering or requesting any such Cascade Company Regulatory Agreement.

Agreements with Regulatory Agencies. Neither Cascade the Company nor any of its Subsidiaries is subject to any cease-and-desist or other order or enforcement action issued by, or is a party to any written agreement, consent agreement or memorandum of understanding with, or is a party to any commitment letter or similar undertaking to, or is subject to any order or directive by, or has been ordered to pay any civil money penalty by, or has been since January 1, 20102016, a recipient of any supervisory letter from, or since January 1, 20102016, has adopted any policies, procedures or board resolutions at the request or suggestion of any Regulatory Agency or other Governmental Entity that currently restricts in any material respect the conduct of its business or that in any material manner relates to its capital adequacy, its ability to pay dividends, its credit or risk management policies, its management or its business (each, whether or not set forth in the Cascade Company Disclosure Schedule, a “Cascade "Company Regulatory Agreement”"), nor has Cascade the Company or any of its Subsidiaries been advised in writing since January 1, 20102016, by any Regulatory Agency or other Governmental Entity that it is considering issuing, initiating, ordering or requesting any such Cascade Company Regulatory Agreement.

Agreements with Regulatory Agencies. Neither Cascade the Company nor any of its Subsidiaries is subject to any cease-and-desist or other order or enforcement action issued by, or is a party to any written agreement, consent agreement or memorandum of understanding with, or is a party to any commitment letter or similar undertaking to, or is subject to any order or directive by, or has been ordered to pay any civil money penalty by, or has been since January 1, 20102015, a recipient of any supervisory letter from, or since January 1, 20102015, has adopted any policies, procedures or board resolutions at the request or suggestion of any Regulatory Agency or other Governmental Entity that currently restricts in any material respect the conduct of its business or that in any material manner relates to its capital adequacy, its ability to pay dividends, its credit or risk management policies, its management or its business (each, whether or not set forth in the Cascade Company Disclosure Schedule, a “Cascade Company Regulatory Agreement”), nor has Cascade the Company or any of its Subsidiaries been advised in writing or, to the knowledge of the Company, orally since January 1, 20102015, by any Regulatory Agency or other Governmental Entity that it is considering issuing, initiating, ordering or requesting any such Cascade Company Regulatory Agreement.. Table of Contents

Agreements with Regulatory Agencies. Neither Cascade Except as is not material, neither the Company nor any Company Subsidiary, and none of Seller or any of its Subsidiaries with respect to the Business, is subject to any cease-and-desist or other order or enforcement action issued by, or is a party to any written agreement, consent agreement or memorandum of understanding with, or is a party to any commitment letter or similar undertaking to, or is subject to any order or directive by, or since January 1, 2005 has been ordered to pay any civil money penalty by, or has been since January 1, 2010, is a recipient of any supervisory letter from, or since January 1, 2010, has adopted outstanding any policies, procedures or board resolutions adopted at the request or suggestion of any Regulatory Agency or other Governmental Entity that currently restricts in any material respect the conduct of its business or that in any material manner relates to its capital adequacy, its ability to pay dividends, its credit or risk management policies, its management or its business (each, whether or not set forth in the Cascade Disclosure Schedule, a “Cascade Company Regulatory Agreement”), nor has Cascade or the Company nor any of its Subsidiaries been advised since January 1, 2010, 2005 by any Regulatory Agency or other Governmental Entity that it is considering issuing, initiating, ordering issuing or requesting requiring any such Cascade Company Regulatory Agreement.

Agreements with Regulatory Agencies. Neither Cascade Anchor nor any of its Subsidiaries is subject to any cease-and-desist or other order or enforcement action issued by, or is a party to any written agreement, consent agreement or memorandum of understanding with, or is a party to any commitment letter or similar undertaking to, or is subject to any order or directive by, or has been ordered to pay any civil money penalty by, or has been since January July 1, 20102013, a recipient of any supervisory letter from, or since January July 1, 20102013, has adopted any policies, procedures or board resolutions at the request or suggestion of of, any Regulatory Agency or other Governmental Entity that currently restricts in any material respect the conduct of its business or that in any material manner relates to its capital adequacy, its ability to pay dividends, its credit or risk management policies, its management or its business (each, whether or not set forth in the Cascade Anchor Disclosure Schedule, a “Cascade "Anchor Regulatory Agreement”"), nor has Cascade Anchor or any of its Subsidiaries been advised since January July 1, 20102013, by any Regulatory Agency or other Governmental Entity that it is considering issuing, initiating, ordering ordering, or requesting any such Cascade Anchor Regulatory Agreement.

Agreements with Regulatory Agencies. Neither Cascade Sterling nor any of its Subsidiaries is subject to any cease-and-desist or other order or enforcement action issued by, or is a party to any written agreement, consent agreement or memorandum of understanding with, or is a party to any commitment letter or similar undertaking to, or is subject to any order or directive by, or has been ordered to pay any civil money penalty by, or has been since January 1, 20102011, a recipient of any supervisory letter from, or since January 1, 20102011, has adopted any policies, procedures or board resolutions at the request or suggestion of any Regulatory Agency or other Governmental Entity Entity, in any such case, that currently restricts in any material respect the conduct of its business or that in any material manner relates to its capital adequacy, its ability to pay dividends, its credit or risk management policies, its management or its business (each, whether or not set forth in the Cascade Sterling Disclosure Schedule, a “Cascade Sterling Regulatory Agreement”), nor has Cascade Sterling or any of its Subsidiaries been advised since January 1, 20102011, by any Regulatory Agency or other Governmental Entity that it is considering issuing, initiating, ordering ordering, or requesting any such Cascade Sterling Regulatory Agreement.

Agreements with Regulatory Agencies. Neither Cascade Siuslaw nor any of its Subsidiaries is subject to any cease-and-desist or other order or enforcement action issued by, or is a party to any written agreement, consent agreement or memorandum of understanding with, or is a party to any commitment letter or similar undertaking to, or is subject to any order or directive by, or has been ordered to pay any civil money penalty by, or has been since January 1, 20102011, a recipient of any supervisory letter from, or since January 1, 20102011, has adopted any policies, procedures or board resolutions at the request or suggestion of of, any Regulatory Agency or other Governmental Entity that currently restricts in any material respect the conduct of its business or that in any material manner relates to its capital adequacy, its ability to pay dividends, its credit or risk management policies, its management or its business (each, whether or not set forth in the Cascade Siuslaw Disclosure Schedule, a “Cascade Siuslaw Regulatory Agreement”), nor has Cascade Siuslaw or any of its Subsidiaries been advised since January 1, 20102011, by any Regulatory Agency or other Governmental Entity that it is considering issuing, initiating, ordering ordering, or requesting any such Cascade Siuslaw Regulatory Agreement.

Agreements with Regulatory Agencies. Neither Cascade Sterling nor any of its Subsidiaries is subject to any cease-and-desist or other order or enforcement action issued by, or is a party to any written agreement, consent agreement or memorandum of understanding with, or is a party to any commitment letter or similar undertaking to, or is subject to any order or directive by, or has been ordered to pay any civil money penalty by, or has been since January 1, 2010, a recipient of any supervisory letter from, or since January 1, 2010, has adopted any policies, procedures or board resolutions at the request or suggestion of any Regulatory Agency or other Governmental Entity that currently restricts in any material respect the conduct of its business or that in any material manner relates to its capital adequacy, its ability to pay dividends, its credit or risk management policies, its management or its business (each, whether or not set forth in the Cascade Sterling Disclosure Schedule, a “Cascade Sterling Regulatory Agreement”), nor has Cascade Sterling or any of its Subsidiaries been advised since January 1, 2010, by any Regulatory Agency or other Governmental Entity that it is considering issuing, initiating, ordering ordering, or requesting any such Cascade Sterling Regulatory Agreement.

Agreements with Regulatory Agencies. Neither Cascade the Company nor any of its Subsidiaries is subject to any cease-and-desist or other order or enforcement action issued by, or is a party to any written agreement, consent agreement or memorandum of understanding with, or is a party to any commitment letter or similar undertaking to, or is subject to any order or directive by, or has been ordered to pay any civil money penalty by, or has been since January 1, 20102013, a recipient of any supervisory letter from, or since January 1, 20102013, has adopted any policies, procedures or board resolutions at the request or suggestion of any Regulatory Agency or other Governmental Entity that currently restricts in any material respect the conduct of its business or that in any material manner relates to its capital adequacy, its ability to pay dividends, its credit or risk management policies, its management or its business (each, whether or not set forth in the Cascade Company Disclosure Schedule, a “Cascade Company Regulatory Agreement”), nor has Cascade the Company or any of its Subsidiaries been advised since January 1, 20102013, by any Regulatory Agency or other Governmental Entity that it is considering issuing, initiating, ordering ordering, or requesting any such Cascade Company Regulatory Agreement.

Agreements with Regulatory Agencies. Neither Cascade the Company nor any of its Subsidiaries is subject to any cease-and-desist or other order or enforcement action issued by, or is a party to any written agreement, consent agreement or memorandum of understanding with, or is a party to any commitment letter or similar undertaking to, or is subject to any order or directive by, or has been ordered to pay any civil money penalty by, or has been since January 1, 20102017, a recipient of any supervisory letter from, or since January 1, 20102017, has adopted any policies, procedures or board resolutions at the request or suggestion of any Regulatory Agency or other Governmental Entity that currently restricts in any material respect the conduct of its business or that in any material manner relates to its capital adequacy, its ability to pay dividends, its credit or risk management policies, its management or its business (each, whether or not set forth in the Cascade Company Disclosure Schedule, a “Cascade Company Regulatory Agreement”), nor has Cascade the Company or any of its Subsidiaries been advised in writing since January 1, 20102017, by any Regulatory Agency or other Governmental Entity that it is considering issuing, initiating, ordering or requesting any such Cascade Company Regulatory Agreement.

Agreements with Regulatory Agencies. Neither Cascade Anchor nor any of its Subsidiaries is subject to any cease-and-desist or other order or enforcement action issued by, or is a party to any written agreement, consent agreement or memorandum of understanding with, or is a party to any commitment letter or similar undertaking to, or is subject to any order or directive by, or has been ordered to pay any civil money penalty by, or has been since January July 1, 20102013, a recipient of any supervisory letter from, or since January July 1, 20102013, has adopted any policies, procedures or board resolutions at the request or suggestion of of, any Regulatory Agency or other Governmental Entity that currently restricts in any material respect the conduct of its business or that in any material manner relates to its capital adequacy, its ability to pay dividends, its credit or risk management policies, its management or its business (each, whether or not set forth in the Cascade Anchor Disclosure Schedule, a “Cascade Anchor Regulatory Agreement”), nor has Cascade Anchor or any of its Subsidiaries been advised since January July 1, 20102013, by any Regulatory Agency or other Governmental Entity that it is considering issuing, initiating, ordering ordering, or requesting any such Cascade Anchor Regulatory Agreement.