Common use of CERTAIN Clause in Contracts

CERTAIN. DEFINITIONS 1 1.1 Certain Definitions 1 1.2 Accounting Terms 13 ARTICLE 2 THE P&A TRANSACTION 13 2.1 Purchase and Sale of Assets 13 2.2 Assumption of Liabilities 14 2.3 Purchase Price 14 2.4 Calculation of Loans to be Transferred 15 ARTICLE 3 CLOSING PROCEDURES; ADJUSTMENTS 16 3.1 Closing 16 3.2 Payment at Closing 17 3.3 Adjustment of Purchase Price 17 3.4 Proration; Other Closing Date Adjustments 18 3.5 Seller Deliveries 18 3.6 Purchaser Deliveries 20 3.7 Delivery of the Loan Documents 21 3.8 Owned Real Property Filings 21 3.9 Allocation of Purchase Price 21 ARTICLE 4 TRANSITIONAL MATTERS 22 4.1 Transitional Arrangements 22 4.2 Customers 23 4.3 ACH Debit or Credit Transactions 24 4.4 Wires 25 4.5 Access to Records 26 4.6 Interest Reporting and Withholding 26 4.7 Negotiable Instruments 27 4.8 ATM/Debit Cards; POS Cards 27 4.9 Data Processing Conversion for the Branches and Handling of Certain Items 27 4.10 Infrastructure Installation 28 4.11 Employee Training 30 4.12 Expenses Relating to Transitional Matters 31 4.13 Access to the Branches on the Closing Date 31 4.14 Customer Claims 31 ARTICLE 5 REPRESENTATIONS AND WARRANTIES OF SELLER 33 5.1 Corporate Organization and Authority 33 5.2 No Conflicts 33 5.3 Approvals and Consents 34 5.4 Leases 34 5.5 Litigation and Undisclosed Liabilities 34 5.6 Regulatory Matters 34 5.7 Compliance with Laws 35 5.8 Loans 35 5.9 Records 37 5.10 Title to Assets 37 5.11 Deposits 37 5.12 Environmental Laws; Hazardous Material 37 5.13 Brokers’ Fees 38 5.14 Property 38 5.15 Absence of Certain Changes 39 5.16 Employee Benefit Plans; Labor Matters 39 5.17 Available Funds 40 5.18 Limitations on Representations and Warranties 40 ARTICLE 6 REPRESENTATIONS AND WARRANTIES OF PURCHASER 40 6.1 Corporate Organization and Authority 40 6.2 No Conflicts 41 6.3 Approvals and Consents 41 6.4 Regulatory Matters 41 6.5 Litigation and Undisclosed Liabilities 42 6.6 Operation of the Branches 42 6.7 Brokers’ Fees 42 6.8 Financing to be Available 42 6.9 Limitations on Representations and Warranties 43

CERTAIN. DEFINITIONS 1 1.1 Certain Definitions 1 1.2 Accounting Terms 13 ARTICLE 2 THE P&A TRANSACTION 13 2.1 Purchase and Sale of Assets 13 2.2 Assumption of Liabilities 14 2.3 Purchase Price 14 15 2.4 Calculation of Loans to be Transferred 15 ARTICLE 3 CLOSING PROCEDURES; ADJUSTMENTS 1617 3.1 Closing 16 17 3.2 Payment at Closing 17 3.3 Adjustment of Purchase Price 17 3.4 Proration; Other Closing Date Adjustments 18 3.5 Seller Deliveries 18 19 3.6 Purchaser Deliveries 20 3.7 Delivery of the Loan Documents 21 3.8 Owned Real Property Filings 21 3.9 Allocation of Purchase Price 21 ARTICLE 4 TRANSITIONAL MATTERS 22 4.1 Transitional Arrangements 22 4.2 Customers 23 4.3 ACH Debit or Credit Transactions 24 4.4 Wires 25 4.5 Access to Records 26 4.6 Interest Reporting and Withholding 26 4.7 Negotiable Instruments 27 4.8 ATM/Debit Cards; POS Cards 27 4.9 Data Processing Conversion for the Branches and Handling of Certain Items 27 4.10 Infrastructure Installation 28 29 4.11 Employee Training 30 31 4.12 Expenses Relating to Transitional Matters 31 4.13 Access to the Branches on the Closing Date 31 4.14 Customer Claims 31 32 ARTICLE 5 REPRESENTATIONS AND WARRANTIES OF SELLER 33 5.1 Corporate Organization and Authority 33 5.2 No Conflicts 33 5.3 Approvals and Consents 34 5.4 Leases 34 5.5 Litigation and Undisclosed Liabilities 34 5.6 Regulatory Matters 34 35 5.7 Compliance with Laws 35 5.8 Loans 35 5.9 Records 37 5.10 Title to Assets 37 5.11 Deposits 37 5.12 Environmental Laws; Hazardous Material 37 5.13 Brokers’ Fees 38 5.14 Property 38 5.15 Absence of Certain Changes 39 5.16 Employee Benefit Plans; Labor Matters 39 40 5.17 Available Funds 40 41 5.18 Limitations on Representations and Warranties 40 41 ARTICLE 6 REPRESENTATIONS AND WARRANTIES OF PURCHASER 40 41 6.1 Corporate Organization and Authority 40 41 6.2 No Conflicts 41 6.3 Approvals and Consents 41 6.4 Regulatory Matters 41 42 6.5 Litigation and Undisclosed Liabilities 42 43 6.6 Operation of the Branches 42 43 6.7 Brokers’ Fees 42 43 6.8 Financing to be Available 42 43 6.9 Limitations on Representations and Warranties 43

CERTAIN. DEFINITIONS 1 1.1 Certain Definitions 1 1.2 Accounting Terms 13 Term 8 ARTICLE 2 2. THE P&A TRANSACTION 13 8 2.1 Purchase and Sale of Assets 13 8 2.2 Assumption of Liabilities 14 9 2.3 Purchase Price 14 10 2.4 Calculation Assumption of Loans to be Transferred 15 ▇▇▇ Account Deposits 10 ARTICLE 3 3. CLOSING PROCEDURES; ADJUSTMENTS 16 10 3.1 Closing 16 10 3.2 Payment at Closing 17 11 3.3 Adjustment of Purchase Price 17 11 3.4 Proration; Other Closing Date Adjustments 18 12 3.5 Seller Deliveries 18 Deliveries. At the Closing, Seller shall deliver to Purchaser: 12 3.6 Purchaser Deliveries 20 Deliveries. At the Closing, Purchaser shall deliver to Seller: 13 3.7 Delivery of the Loan Documents 21 3.8 Owned Real Property Filings 21 3.9 14 3.8 Allocation of Purchase Price 21 14 ARTICLE 4 4. TRANSITIONAL MATTERS 22 15 4.1 Transitional Arrangements 22 15 4.2 Customers 23 16 4.3 ACH Debit or Credit Transactions 24 Direct Deposits 17 4.4 Wires 25 Direct Debits 17 4.5 Access to Records 26 18 4.6 Interest Reporting and Withholding 26 18 4.7 Negotiable Instruments 27 19 4.8 ATM/Debit Cards; POS Cards 27 19 4.9 Data Processing Conversion for the Branches Office and Handling of Certain Items 27 19 4.10 Infrastructure Installation 28 4.11 Employee Training 30 4.12 Expenses Relating to Transitional Matters 31 4.13 Access to the Branches on the Closing Date 31 4.14 Customer Claims 31 21 ARTICLE 5 5. REPRESENTATIONS AND WARRANTIES OF SELLER 33 AND HOLDCO 21 5.1 Corporate Organization and Authority 33 21 5.2 No Conflicts 33 21 5.3 Approvals and Consents 34 22 5.4 Leases 34 5.5 Litigation and Undisclosed Liabilities 34 5.6 22 5.5 Regulatory Matters 34 5.7 22 5.6 Compliance with Laws 35 23 5.7 Records 23 5.8 Loans 35 5.9 Records 37 5.10 Title to Assets 37 5.11 23 5.9 Deposits 37 5.12 23 5.10 Environmental Laws; Hazardous Material 37 5.13 Substances. The Real Property: 24 5.11 Brokers’ Fees 38 5.14 24 5.12 Property 38 5.15 24 5.13 Absence of Certain Changes 39 5.16 Employee Benefit Plans; Labor Matters 39 5.17 or Events 25 5.14 Available Funds 40 5.18 25 5.15 Post-Closing Condition 25 5.16 Limitations on Representations and Warranties 40 ARTICLE 6 REPRESENTATIONS AND WARRANTIES OF PURCHASER 40 6.1 Corporate Organization and Authority 40 6.2 No Conflicts 41 6.3 Approvals and Consents 41 6.4 Regulatory Matters 41 6.5 Litigation and Undisclosed Liabilities 42 6.6 Operation of the Branches 42 6.7 Brokers’ Fees 42 6.8 Financing to be Available 42 6.9 Limitations on Representations and Warranties 4325

CERTAIN. DEFINITIONS 1 1.1 Certain Definitions 1 1.2 Accounting Terms 13 Interpretation; Drafting 1 ARTICLE 2 THE P&A TRANSACTION 13 ACQUISITION 2 2.1 Acquisition of Interests 2 2.2 Purchase and Sale of Assets 13 2.2 Assumption of Liabilities 14 Price 2 2.3 Purchase Price 14 2.4 Calculation of Loans to be Transferred 15 Adjustment 3 ARTICLE 3 EFFECTIVE TIME; THE CLOSING PROCEDURES; ADJUSTMENTS 16 5 3.1 Effective Time 5 3.2 Time and Place of Closing 16 3.2 Payment at 5 3.3 Closing 17 3.3 Adjustment of Purchase Price 17 3.4 Proration; Other Closing Date Adjustments 18 3.5 Seller Deliveries 18 3.6 Purchaser Deliveries 20 3.7 Delivery of the Loan Documents 21 3.8 Owned Real Property Filings 21 3.9 Allocation Company and the Seller 5 3.4 Closing Deliveries of Purchase Price 21 Purchaser 6 ARTICLE 4 TRANSITIONAL MATTERS 22 REPRESENTATIONS AND WARRANTIES OF THE SELLER 7 4.1 Transitional Arrangements 22 Authorization of Agreement 7 4.2 Customers 23 Conflicts; Consent of Third Parties 7 4.3 ACH Debit or Credit Transactions 24 4.4 Wires 25 4.5 Access to Records 26 4.6 Interest Reporting Ownership and Withholding 26 4.7 Negotiable Instruments 27 4.8 ATM/Debit Cards; POS Cards 27 4.9 Data Processing Conversion for the Branches and Handling Transfer of Certain Items 27 4.10 Infrastructure Installation 28 4.11 Employee Training 30 4.12 Expenses Relating to Transitional Matters 31 4.13 Access to the Branches on the Closing Date 31 4.14 Customer Claims 31 Interests 8 ARTICLE 5 REPRESENTATIONS AND WARRANTIES OF THE COMPANY AND THE SELLER 33 8 5.1 Corporate Organization Existence and Qualification; Capitalization 8 5.2 Subsidiaries 9 5.3 Authority 33 5.2 9 5.4 No Conflicts 33 5.3 Approvals 9 5.5 Taxes 9 5.6 Brokers and Consents 34 5.4 Leases 34 5.5 Litigation and Undisclosed Liabilities 34 5.6 Regulatory Matters 34 Intermediaries 9 5.7 Compliance with Laws 35 5.8 Loans 35 5.9 Records 37 5.10 Title to Assets 37 5.11 Deposits 37 5.12 Environmental Laws; Hazardous Material 37 5.13 Brokers’ Fees 38 5.14 Property 38 5.15 Absence of Certain Changes 39 5.16 Employee Benefit Plans; Labor Matters 39 5.17 Available Funds 40 5.18 Limitations on No Other Representations and Warranties 40 10 ARTICLE 6 REPRESENTATIONS AND WARRANTIES OF PURCHASER 40 11 6.1 Corporate Organization Existence and Qualification 11 6.2 Authority 40 6.2 12 6.3 No Conflicts 41 6.3 Approvals 12 6.4 Litigation 12 6.5 Knowledge of Breaches 12 6.6 Brokers and Consents 41 6.4 Regulatory Intermediaries 12 6.7 Non-Reliance; No Additional Seller Representations 12 ARTICLE 7 ADDITIONAL COVENANTS AND AGREEMENTS OF PARTIES 13 7.1 Approvals; Further Assurances 13 7.2 Post-Closing Tax Matters 41 6.5 Litigation and Undisclosed Liabilities 42 6.6 Operation of the Branches 42 6.7 Brokers’ Fees 42 6.8 Financing to be Available 42 6.9 Limitations on Representations and Warranties 4313 7.3 Release 17

CERTAIN. DEFINITIONS 1 1.1 Certain Definitions 1 1.2 Accounting Terms 13 ARTICLE 2 THE P&A TRANSACTION 13 2.1 Purchase and Sale of Assets 13 2.2 Assumption of Liabilities 14 2.3 Purchase Price 14 15 2.4 Calculation of Loans to be Transferred 15 ARTICLE 3 CLOSING PROCEDURES; ADJUSTMENTS 1617 3.1 Closing 16 17 3.2 Payment at Closing 17 3.3 Adjustment of Purchase Price 17 3.4 Proration; Other Closing Date Adjustments 18 3.5 Seller Deliveries 18 19 3.6 Purchaser Deliveries 20 3.7 Delivery of the Loan Documents 21 3.8 Owned Real Property Filings 21 3.9 Allocation of Purchase Price 21 ARTICLE 4 TRANSITIONAL MATTERS 22 4.1 Transitional Arrangements 22 4.2 Customers 23 4.3 ACH Debit or Credit Transactions 24 4.4 Wires 25 4.5 Access to Records 26 4.6 Interest Reporting and Withholding 26 4.7 Negotiable Instruments 27 4.8 ATM/Debit Cards; POS Cards 27 4.9 Data Processing Conversion for the Branches and Handling of Certain Items 27 4.10 Infrastructure Installation 28 29 4.11 Employee Training 30 31 4.12 Expenses Relating to Transitional Matters 31 4.13 Access to the Branches on the Closing Date 31 31 4.14 Customer Claims 31 32 ARTICLE 5 REPRESENTATIONS AND WARRANTIES OF SELLER 33 5.1 Corporate Organization and Authority 33 5.2 No Conflicts 33 5.3 Approvals and Consents 34 5.4 Leases 34 5.5 Litigation and Undisclosed Liabilities 34 5.6 Regulatory Matters 34 35 5.7 Compliance with Laws 35 5.8 Loans 35 5.9 Records 37 5.10 Title to Assets 37 5.11 Deposits 37 5.12 Environmental Laws; Hazardous Material 37 5.13 Brokers’ Fees 38 5.14 Property 38 5.15 Absence of Certain Changes 39 5.16 Employee Benefit Plans; Labor Matters 39 40 5.17 Available Funds 40 41 5.18 Limitations on Representations and Warranties 40 41 ARTICLE 6 REPRESENTATIONS AND WARRANTIES OF PURCHASER 40 41 6.1 Corporate Organization and Authority 40 41 6.2 No Conflicts 41 6.3 Approvals and Consents 41 6.4 Regulatory Matters 41 42 6.5 Litigation and Undisclosed Liabilities 42 43 6.6 Operation of the Branches 42 43 6.7 Brokers’ Fees 42 43 6.8 Financing to be Available 42 43 6.9 Limitations on Representations and Warranties 43