Common use of Loan Portfolio Clause in Contracts

Loan Portfolio. (a) As of the date hereof, except as set forth in Charter Disclosure Schedule Section 3.26(a), neither Charter nor CharterBank is a party to any written or oral (i) loan, loan agreement, note or borrowing arrangement (including leases, credit enhancements, commitments, guarantees and interest-bearing assets) (collectively, “Loans”) in which Charter or CharterBank is a creditor which as of March 31, 2018, had an outstanding balance of $500,000 or more and under the terms of which the obligor was, as of March 31, 2018, over ninety (90) days or more delinquent in payment of principal or interest and has not yet been charged-off, or (ii) Loans with any director, executive officer or principal stockholder of Charter or CharterBank (as such terms are defined in 12 C.F.R. Part 215). Charter Disclosure Schedule Section 3.26(a) also sets forth a true, correct and complete list of all of the Loans of Charter and CharterBank that, as of March 31, 2018 had an outstanding balance of $500,000 or more and were classified by Charter (A) as of March 31, 2018 as “Other Loans Specially Mentioned,” “Special Mention,” “Substandard,” “Doubtful,” “Classified,” “Criticized,” “Credit Risk Assets,” “Concerned Loans,” “Watch List” or words of similar import, or (B) on or after January 1, 2016 as “Loss” in all cases together with the aggregate principal amount of and accrued and unpaid interest on each such Loan and the aggregate principal amount of and accrued and unpaid interest on such Loans as of March 31, 2018.

Loan Portfolio. (a) As of the date hereof, except as set forth in Charter Section 4.25(a) of the IBTX Disclosure Schedule Section 3.26(a)Schedule, neither Charter IBTX nor CharterBank any of its Subsidiaries is a party to any written or oral (i) loan, loan agreement, note or borrowing arrangement (including leases, credit enhancements, commitments, guarantees and interest-bearing assets) (collectively, “Loans”) Loan in which Charter IBTX or CharterBank any Subsidiary of IBTX is a creditor which that, as of March 31September 30, 20182019, had an outstanding balance of $500,000 5,000,000 or more and under the terms of which the obligor was, as of March 31September 30, 20182019, over ninety (90) days or more delinquent in payment of principal or interest and has not yet been charged-off, or (iiinterest. Set forth in Section 4.25(a) Loans with any director, executive officer or principal stockholder of Charter or CharterBank (as such terms are defined in 12 C.F.R. Part 215). Charter the IBTX Disclosure Schedule Section 3.26(a) also sets forth is a true, correct and complete list of (A) all of the Loans of Charter IBTX and CharterBank its Subsidiaries that, as of March 31September 30, 2018 2019, had an outstanding balance of $500,000 or more 5,000,000 and were classified by Charter (A) as of March 31, 2018 IBTX as “Other Loans Specially Mentioned,” “Special Mention,” “Substandard,” “Doubtful,” “Loss,” “Classified,” “Criticized,” “Credit Risk Assets,” “Concerned Loans,” “Watch List” or words of similar import, or (B) on or after January 1, 2016 as “Loss” in all cases together with the aggregate principal amount of and accrued and unpaid interest on each such Loan and the identity of the borrower thereunder, together with the aggregate principal amount of and accrued and unpaid interest on such Loans, by category of Loan (e.g., commercial, consumer, etc.), together with the aggregate principal amount of such Loans by category and (B) each asset of IBTX or any of its Subsidiaries that, as of March 31September 30, 20182019, is classified as “Other Real Estate Owned” and the book value thereof.

Loan Portfolio. (a) As of the date hereof, except as set forth in Charter Sunshine Disclosure Schedule Section 3.26(a), neither Charter Sunshine nor CharterBank its Subsidiary is a party to any written or oral (i) loan, loan agreement, note or borrowing arrangement (including leases, credit enhancements, commitments, guarantees and interest-bearing assets) (collectively, “Loans”) in which Charter Sunshine or CharterBank any Subsidiary of Sunshine is a creditor which as of March 31June 30, 20182017, had an outstanding balance of $500,000 or more and under the terms of which the obligor was, as of March 31June 30, 20182017, over ninety (90) days or more delinquent in payment of principal or interest and has not yet been charged-offinterest, or (ii) Loans with any director, executive officer or principal stockholder shareholder of Charter Sunshine or CharterBank its Subsidiary (as such terms are defined in 12 C.F.R. Part 215). Charter Sunshine Disclosure Schedule Section 3.26(a) also sets forth a true, correct and complete list of all of the Loans of Charter Sunshine and CharterBank its Subsidiary that, as of March 31June 30, 2018 2017 had an outstanding balance of $500,000 or more and were either classified by Charter Sunshine (A) as of March 31June 30, 2018 2017 as “Other Loans Specially Mentioned,” “Special Mention,” “Substandard,” “Doubtful,” “Classified,” “Criticized,” “Credit Risk Assets,” “Concerned Loans,” “Watch List” or words of similar import, or (B) on or after January 1, 2016 2015 as “Loss,” in all cases together with the aggregate principal amount of and accrued and unpaid interest on each such Loan and the aggregate principal amount of and accrued and unpaid interest on such Loans as of March 31June 30, 20182017.

Loan Portfolio. (a) As of the date hereof, except as set forth in Charter Section 6.25(a) of the SCB Disclosure Schedule Section 3.26(a)Schedule, neither Charter SCB nor CharterBank any of its Subsidiaries is a party to any written or oral (i) loan, loan agreement, note or borrowing arrangement (including leases, credit enhancements, commitments, guarantees and interest-bearing assets) (collectively, “Loans”) Loan in which Charter SCB or CharterBank any Subsidiary of SCB is a creditor which as of March December 31, 20182023, had an outstanding balance of $500,000 1,000,000 or more and under the terms of which the obligor was, as of March December 31, 20182023, over ninety (90) days or more delinquent in payment of principal or interest and has not yet been charged-off, or (iiinterest. Set forth in Section 6.25(a) Loans with any director, executive officer or principal stockholder of Charter or CharterBank (as such terms are defined in 12 C.F.R. Part 215). Charter the SCB Disclosure Schedule Section 3.26(a) also sets forth is a true, correct and complete list of (A) all of the Loans of Charter SCB and CharterBank its Subsidiaries that, as of March December 31, 2018 2023, had an outstanding balance of $500,000 or more and were classified by Charter (A) as of March 31, 2018 SCB as “Other Loans Specially Mentioned,” “Special Mention,” “Substandard,” “Doubtful,” “Loss,” “Classified,” “Criticized,” “Credit Risk Assets,” “Concerned Loans,” “Watch List” or words of similar import, or (B) on or after January 1, 2016 as “Loss” in all cases together with the aggregate principal amount of and accrued and unpaid interest on each such Loan and the identity of the borrower thereunder, together with the aggregate principal amount of and accrued and unpaid interest on such Loans, by category of Loan (e.g., commercial, consumer, etc.), together with the aggregate principal amount of such Loans by category and (B) each asset of SCB or any of its Subsidiaries that, as of March December 31, 20182023, is classified as OREO and the book value thereof.

Loan Portfolio. (a) As of the date hereof, except as set forth in Charter Section 5.25(a) of the CBC Disclosure Schedule Section 3.26(a)Schedule, neither Charter CBC nor CharterBank any of its Subsidiaries is a party to any written or oral (i) loan, loan agreement, note or borrowing arrangement (including leases, credit enhancements, commitments, guarantees and interest-bearing assets) (collectively, “Loans”) in which Charter CBC or CharterBank any Subsidiary of CBC is a creditor which as of March December 31, 20182023, had an outstanding balance of $500,000 1,000,000 or more and under the terms of which the obligor was, as of March December 31, 20182023, over ninety (90) days or more delinquent in payment of principal or interest and has not yet been charged-off, or (iiinterest. Set forth in Section 5.25(a) Loans with any director, executive officer or principal stockholder of Charter or CharterBank (as such terms are defined in 12 C.F.R. Part 215). Charter the CBC Disclosure Schedule Section 3.26(a) also sets forth is a true, correct and complete list of (A) all of the Loans of Charter CBC and CharterBank its Subsidiaries that, as of March December 31, 2018 2023, had an outstanding balance of $500,000 or more and were classified by Charter (A) as of March 31, 2018 CBC as “Other Loans Specially Mentioned,” “Special Mention,” “Substandard,” “Doubtful,” “Loss,” “Classified,” “Criticized,” “Credit Risk Assets,” “Concerned Loans,” “Watch List” or words of similar import, or (B) on or after January 1, 2016 as “Loss” in all cases together with the aggregate principal amount of and accrued and unpaid interest on each such Loan and the identity of the borrower thereunder, together with the aggregate principal amount of and accrued and unpaid interest on such Loans, by category of Loan (e.g., commercial, consumer, etc.), together with the aggregate principal amount of such Loans by category and (B) each asset of CBC or any of its Subsidiaries that, as of March December 31, 20182023, is classified as OREO and the book value thereof.

Loan Portfolio. (a) As of the date hereofof this Agreement, except as set forth in Charter NCC Disclosure Schedule Section 3.26(a), neither Charter NCC nor CharterBank any of its Subsidiaries is a party to any written or oral (i) loan, loan agreement, note or borrowing arrangement (including leases, credit enhancements, commitments, guarantees and interest-bearing assets) (collectively, “Loans”) in which Charter NCC or CharterBank any of its Subsidiaries is a creditor which as of March 31September 30, 2018, had an outstanding balance of $500,000 or more and under the terms of which the obligor was, as of March 31September 30, 2018, over ninety (90) days or more delinquent in payment of principal or interest and has not yet been charged-off, or (ii) Loans with any director, executive officer or principal stockholder of Charter NCC or CharterBank any of its Subsidiaries (as such terms are defined in 12 C.F.R. Part 215). Charter NCC Disclosure Schedule Section 3.26(a) also sets forth a true, correct and complete list of all of the Loans of Charter NCC and CharterBank its Subsidiaries that, as of March 31September 30, 2018 had an outstanding balance of $500,000 or more and were classified by Charter NCC (A) as of March 31September 30, 2018 as “Other Loans Specially Mentioned,” “Special Mention,” “Substandard,” “Doubtful,” “Classified,” “Criticized,” “Credit Risk Assets,” “Concerned Loans,” “Watch List” or words of similar import, or (B) on or after January 1, 2016 as “Loss” in all cases together with the aggregate principal amount of and accrued and unpaid interest on each such Loan and the aggregate principal amount of and accrued and unpaid interest on such Loans as of March 31September 30, 2018.

Loan Portfolio. (a) As of the date hereof, except as set forth in Charter Section 4.22(a) of the Green Disclosure Schedule Section 3.26(a)Schedule, neither Charter Green nor CharterBank any of its Subsidiaries is a party to any written or oral (i) loan, loan agreement, note or borrowing arrangement (including leases, credit enhancements, commitments, guarantees and interest-bearing assets) (collectively, “Loans”) Loans in which Charter Green or CharterBank any Subsidiary of Green is a creditor which as of March 31, 20182015, had an outstanding balance of $500,000 250,000 or more and under the terms of which the obligor was, as of March 31, 20182015, over ninety (90) 90 days or more delinquent in payment of principal or interest and has not yet been charged-offinterest, or (ii) Loans with any director, executive officer or principal stockholder 5% or greater shareholder of Charter Green or CharterBank (as such terms are defined any of its Subsidiaries, or to the knowledge of Green, any affiliate of any of the foregoing. Set forth in 12 C.F.R. Part 215). Charter Section 4.22(a) of the Green Disclosure Schedule Section 3.26(a) also sets forth is a true, correct and complete list of (A) all of the Loans of Charter Green and CharterBank its Subsidiaries that, as of March 31, 2018 had an outstanding balance of $500,000 or more and 2015, were classified by Charter (A) as of March 31, 2018 Green as “Other Loans Specially Mentioned,” “Special Mention,” “Substandard,” “Doubtful,” “Loss,” “Classified,” “Criticized,” “Credit Risk Assets,” “Concerned Loans,” “Watch List” or words of similar import, or (B) on or after January 1, 2016 as “Loss” in all cases together with the aggregate principal amount of and accrued and unpaid interest on each such Loan and the identity of the borrower thereunder, together with the aggregate principal amount of and accrued and unpaid interest on such Loans, by category of Loan (e.g., commercial, consumer, etc.), together with the aggregate principal amount of such Loans by category and (B) each asset of Green or any of its Subsidiaries that, as of March 31, 20182015, is classified as “Other Real Estate Owned” and the book value thereof.

Loan Portfolio. (a) As of the date hereof, except as set forth in Charter on Buyer Disclosure Schedule Section 3.26(a4.24(a), neither Charter Buyer nor CharterBank any of its Subsidiaries is a party to any written or oral (i) loan, loan agreement, note or borrowing arrangement (including leases, credit enhancements, commitments, guarantees and interest-bearing assets) (collectively, “Loans”) Loans in which Charter Buyer or CharterBank any Subsidiary of Buyer is a creditor which as of March July 31, 2018, 2023 had an outstanding balance of $500,000 1,000,000 or more and under the terms of which the obligor was, as of March July 31, 20182023, over ninety sixty (9060) days or more delinquent in payment of principal or interest and has not yet been charged-offinterest, or (ii) Loans with “extensions of credit” to any director, “executive officer officer” or principal stockholder other “insider” of Charter Buyer or CharterBank any of its Subsidiaries (as such terms are defined in 12 C.F.R. Part 215). Charter Each “extension of credit” to any such “executive officer” or other “insider” of Buyer or any of its Subsidiaries subject to 12 C.F.R. Part 215 was made and continues to be in compliance with 12 C.F.R. Part 215 or is exempt therefrom. Except as such disclosure may be limited by any applicable law, rule or regulation, Buyer Disclosure Schedule Section 3.26(a4.24(a) also sets forth a true, correct and complete list of (A) all of the Loans of Charter Buyer and CharterBank its Subsidiaries that, as of March July 31, 2018 2023, had an outstanding balance of $500,000 1,000,000 or more and were classified by Charter (A) as of March 31, 2018 Buyer as “Other Loans Specially Mentioned,” “Special Mention,” “Substandard,” “Doubtful,” “Loss,” “Classified,” “Criticized,” “Credit Risk Assets,” “Concerned Loans,” “Watch List” or words of similar importimport (the “Buyer Classified Loans”), or (B) on or after January 1, 2016 as “Loss” in all cases together with the aggregate principal amount of and accrued and unpaid interest on each such Loan Loan, and the aggregate principal amount of and accrued and unpaid interest on such Loans as of March such date, and (B) each asset of Buyer or any of its Subsidiaries that, as of July 31, 20182023, had a carrying value of $250,000 or more and was classified as “Other Real Estate Owned” and the carrying value thereof.

Loan Portfolio. (a) As of the date hereof, except as set forth in Charter Disclosure Schedule Section 3.26(a)) of the Patriot Disclosure Schedule, neither Charter Patriot nor CharterBank any of its Subsidiaries is a party to any written or oral (i) loan, loan agreement, note or borrowing arrangement (including leases, credit enhancements, commitments, guarantees and interest-bearing assets) (collectively, “Loans”) in which Charter Patriot or CharterBank any Subsidiary of Patriot is a creditor which as of March 31, 20182015, had an outstanding balance of $500,000 250,000 or more and under the terms of which the obligor was, as of March 31, 20182015, over ninety (90) 90 days or more delinquent in payment of principal or interest and has not yet been charged-offinterest, or (ii) Loans with any director, executive officer or principal stockholder 5% or greater shareholder of Charter Patriot or CharterBank (as such terms are defined any of its Subsidiaries, or to the knowledge of Patriot, any affiliate of any of the foregoing. Set forth in 12 C.F.R. Part 215). Charter Disclosure Schedule Section 3.26(a) also sets forth of the Patriot Disclosure Schedule is a true, correct and complete list of (A) all of the Loans of Charter Patriot and CharterBank its Subsidiaries that, as of March 31, 2018 had an outstanding balance of $500,000 or more and 2015, were classified by Charter (A) as of March 31, 2018 Patriot as “Other Loans Specially Mentioned,” “Special Mention,” “Substandard,” “Doubtful,” “Loss,” “Classified,” “Criticized,” “Credit Risk Assets,” “Concerned Loans,” “Watch List” or words of similar import, or (B) on or after January 1, 2016 as “Loss” in all cases together with the aggregate principal amount of and accrued and unpaid interest on each such Loan and the identity of the borrower thereunder, together with the aggregate principal amount of and accrued and unpaid interest on such Loans, by category of Loan (e.g., commercial, consumer, etc.), together with the aggregate principal amount of such Loans by category and (B) each asset of Patriot or any of its Subsidiaries that, as of March 31, 20182015, is classified as “Other Real Estate Owned” and the book value thereof.

Loan Portfolio. (a) As of the date hereof, except as set forth in Charter Section 4.25(a) of the Wxxxxxx Disclosure Schedule Section 3.26(a)Schedule, neither Charter Wxxxxxx nor CharterBank any of its Subsidiaries is a party to any written or oral (i) loan, loan agreement, note or borrowing arrangement (including leases, credit enhancements, commitments, guarantees and interest-bearing assets) (collectively, “Loans”) Loan in which Charter Wxxxxxx or CharterBank any Subsidiary of Wxxxxxx is a creditor which as of March December 31, 20182020, had an outstanding balance of $500,000 10,000,000 or more and under the terms of which the obligor was, as of March December 31, 20182020, over ninety (90) days or more delinquent in payment of principal or interest and has not yet been charged-off, or (iiinterest. Set forth in Section 4.25(a) Loans with any director, executive officer or principal stockholder of Charter or CharterBank (as such terms are defined in 12 C.F.R. Part 215). Charter the Wxxxxxx Disclosure Schedule Section 3.26(a) also sets forth is a true, correct and complete list of (A) all of the Loans of Charter Wxxxxxx and CharterBank its Subsidiaries that, as of March December 31, 2018 2020, had an outstanding balance of $500,000 10,000,000 or more and were classified by Charter (A) as of March 31, 2018 Wxxxxxx as “Other Loans Specially Mentioned,” “Special Mention,” “Substandard,” “Doubtful,” “Loss,” “Classified,” “Criticized,” “Credit Risk Assets,” “Concerned Loans,” “Watch List” or words of similar import, or (B) on or after January 1, 2016 as “Loss” in all cases together with the aggregate principal amount of and accrued and unpaid interest on each such Loan and the identity of the borrower thereunder, together with the aggregate principal amount of and accrued and unpaid interest on such Loans, by category of Loan (e.g., commercial, consumer, etc.), together with the aggregate principal amount of such Loans by category and (B) each asset of Wxxxxxx or any of its Subsidiaries that, as of March December 31, 20182020, is classified as “Other Real Estate Owned” and the book value thereof.

Loan Portfolio. (a) As of the date hereof, except as set forth in Charter Disclosure Schedule Section 3.26(a)) of the IBTX Disclosure Schedule, neither Charter IBTX nor CharterBank any of its Subsidiaries is a party to any written or oral (i) loan, loan agreement, note or borrowing arrangement (including leases, credit enhancements, commitments, guarantees and interest-bearing assets) (collectively, “Loans”) in which Charter IBTX or CharterBank any Subsidiary of IBTX is a creditor which that, as of March 31, 20182024, had an outstanding balance of $500,000 1,000,000 or more and under the terms of which the obligor was, as of March 31, 2018, 2024 over ninety (90) 90 days or more delinquent in payment of principal or interest and has not yet been charged-off, or (ii) Loans with any director, executive officer or principal stockholder of Charter or CharterBank (as such terms are defined interest. Set forth in 12 C.F.R. Part 215). Charter Disclosure Schedule Section 3.26(a) also sets forth of the IBTX Disclosure Schedule is a true, correct and complete list of (i) all of the Loans of Charter IBTX and CharterBank its Subsidiaries that, as of March 31, 2018 2024, had an outstanding balance of $500,000 or more 1,000,000 and were classified by Charter (A) as of March 31, 2018 IBTX as “Other Loans Specially Mentioned,” “Special Mention,” “Substandard,” “Doubtful,” “Loss,” “Classified,” “Criticized,” “Credit Risk Assets,” “Concerned Loans,” “Watch List” or words of similar import, or (B) on or after January 1, 2016 as “Loss” in all cases together with the aggregate principal amount of and accrued and unpaid interest on each such Loan and the identity of the borrower thereunder, together with the aggregate principal amount of and accrued and unpaid interest on such Loans, by category of Loan (e.g., commercial, consumer, etc.), together with the aggregate principal amount of such Loans by category, and (ii) each asset of IBTX or any of its Subsidiaries that, as of March 31, 20182024, is classified as “Other Real Estate Owned” and the book value thereof.

Loan Portfolio. (a) As of the date hereof, except as set forth in Charter Section 3.25(a) of the Cadence Disclosure Schedule Section 3.26(a)Schedule, neither Charter Cadence nor CharterBank any of its Subsidiaries is a party to any written or oral (i) loan, loan agreement, note or borrowing arrangement (including leases, credit enhancements, commitments, guarantees and interest-bearing assets) (collectively, “Loans”) in which Charter Cadence or CharterBank any Subsidiary of Cadence is a creditor which that, as of March December 31, 20182020, had an outstanding balance of $500,000 5,000,000 or more and under the terms of which the obligor was, as of March December 31, 2018, 2020 over ninety (90) days or more delinquent in payment of principal or interest and has not yet been charged-off, or (iiinterest. Set forth in Section 3.25(a) Loans with any director, executive officer or principal stockholder of Charter or CharterBank (as such terms are defined in 12 C.F.R. Part 215). Charter the Cadence Disclosure Schedule Section 3.26(a) also sets forth is a true, correct and complete list of (A) all of the Loans of Charter Cadence and CharterBank its Subsidiaries that, as of March December 31, 2018 2020, had an outstanding balance of $500,000 or more 5,000,000 and were classified by Charter (A) as of March 31, 2018 Cadence as “Other Loans Specially Mentioned,” “Special Mention,” “Substandard,” “Doubtful,” “Loss,” “Classified,” “Criticized,” “Credit Risk Assets,” “Concerned Loans,” “Watch List” or words of similar import, or (B) on or after January 1, 2016 as “Loss” in all cases together with the aggregate principal amount of and accrued and unpaid interest on each such Loan and the identity of the borrower thereunder, together with the aggregate principal amount of and accrued and unpaid interest on such Loans, by category of Loan (e.g., commercial, consumer, etc.), together with the aggregate principal amount of such Loans by category, and (B) each asset of Cadence or any of its Subsidiaries that, as of March December 31, 20182020, is classified as “Other Real Estate Owned” and the book value thereof.

Loan Portfolio. (a) As of the date hereof, except as set forth in Charter Company Disclosure Schedule Section 3.26(a), neither Charter Company nor CharterBank its Subsidiaries is a party to any written or oral (i) loan, loan agreement, note or borrowing arrangement (including leases, credit enhancements, commitments, guarantees and interest-bearing assets) (collectively, “Loans”) in which Charter Company or CharterBank any Subsidiaries of Company is a creditor which as of March 31, 2018, had an outstanding balance of $500,000 or more and under the terms of which the obligor was, as of March 31, 2018, over ninety (90) days or more delinquent in payment of principal or interest and has not yet been charged-offinterest, or (ii) Loans with any director, executive officer or principal stockholder shareholder of Charter Company or CharterBank its Subsidiaries (as such terms are defined in 12 C.F.R. Part 215). Charter Company Disclosure Schedule Section 3.26(a) also sets forth a true, correct and complete list of all of the Loans of Charter Company and CharterBank its Subsidiaries that, as of March 31, 2018 had an outstanding balance of $500,000 or more and were either classified by Charter Company (A) as of March 31, 2018 as “Other Loans Specially Mentioned,” “Special Mention,” “Substandard,” “Doubtful,” “Classified,” “Criticized,” “Credit Risk Assets,” “Concerned Loans,” “Watch List” or words of similar import, or (B) on or after January 1, 2016 2015 as “Loss,” in all cases together with the aggregate principal amount of and accrued and unpaid interest on each such Loan and the aggregate principal amount of and accrued and unpaid interest on such Loans as of March 31, 2018.

Loan Portfolio. (a) As of the date hereof, except as set forth in Charter Section 3.25(a) of the Commercial Bancshares Disclosure Schedule Section 3.26(a)Schedule, neither Charter Commercial Bancshares nor CharterBank any of its Subsidiaries is a party to any written or oral (i) loan, loan agreement, note or borrowing arrangement (including leases, credit enhancements, commitments, guarantees and interest-bearing assets) (collectively, “Loans”) in which Charter Commercial Bancshares or CharterBank any Subsidiary of Commercial Bancshares is a creditor which as of March 31June 30, 2018, had an outstanding balance of $500,000 or more and under the terms of which the obligor was, as of March 31, 2018, 2016 was over ninety (90) 90 days or more delinquent in payment of principal or interest and has not yet been charged-offinterest, or (ii) Loans with any director, executive officer or principal stockholder shareholder of Charter Commercial Bancshares or CharterBank any of its Subsidiaries (as such terms are defined in 12 C.F.R. Part 215). Charter Except as such disclosure may be limited by any applicable law, rule or regulation, Section 3.25(a) of the Commercial Bancshares Disclosure Schedule Section 3.26(a) also sets forth a true, correct and complete list of all of the Loans of Charter Commercial Bancshares and CharterBank its Subsidiaries that, as of March 31June 30, 2018 had an outstanding balance of $500,000 or more and 2016, were classified by Charter (A) as of March 31, 2018 Commercial Bancshares as “Other Loans Specially Mentioned,” “Special Mention,” “Substandard,” “Doubtful,” “Loss,” “Classified,” “Criticized,” “Credit Risk Assets,” “Concerned Loans,” “Watch List” or words of similar import, or (B) on or after January 1, 2016 as “Loss” in all cases together with the aggregate principal amount of and accrued and unpaid interest on each such Loan and the aggregate principal amount of and accrued and unpaid interest on such Loans as of March 31, 2018such date.

Loan Portfolio. (a) As of the date hereof, except as set forth in Charter Section 3.27(a) of the Seller Disclosure Schedule Section 3.26(a)Schedule, neither Charter Seller nor CharterBank any of its Subsidiaries is a party to any written or oral (i) loan, loan agreement, note or borrowing arrangement (including leases, credit enhancements, commitments, guarantees and interest-bearing assets) (collectively, “Loans”) in which Charter Seller or CharterBank any Subsidiary of Seller is a creditor which that as of March July 31, 20182016, had an outstanding balance of $500,000 100,000 or more and under the terms of which the obligor was, as of March July 31, 20182016, over ninety (90) 90 days or more delinquent in payment of principal or interest and has not yet been charged-offinterest, or (ii) Loans with any director, executive officer or principal stockholder 5% or greater shareholder of Charter Seller or CharterBank (as such terms are defined in 12 C.F.R. Part 215)any of its Subsidiaries, or to the knowledge of Seller, any affiliate of any of the foregoing. Charter Section 3.27(a) of the Seller Disclosure Schedule Section 3.26(a) also sets forth a true, correct and complete list of all of the Loans of Charter Seller and CharterBank its Subsidiaries that, as of March July 31, 2018 2016, had an outstanding balance of $500,000 100,000 or more and were classified by Charter (A) as of March 31, 2018 Seller as “Other Loans Specially Mentioned,” “Special Mention,” “Substandard,” “Doubtful,” “Loss,” “Classified,” “Criticized,” “Credit Risk Assets,” “Concerned Loans,” “Watch List” or words of similar import, or (B) on or after January 1, 2016 as “Loss” in all cases together with the aggregate principal amount of and accrued and unpaid interest on each such Loan and the aggregate principal amount of and accrued and unpaid interest on all such Loans as of March July 31, 20182016.

Loan Portfolio. (a) As of the date hereof, except as set forth in Charter Section 3.25(a) of the Company Disclosure Schedule Section 3.26(a)Schedule, neither Charter the Company nor CharterBank any of its Subsidiaries is a party to any written or oral (i) loan, loan agreement, note or borrowing arrangement (including leases, credit enhancements, commitments, guarantees and interest-bearing assets) (collectively, “Loans”) in which Charter the Company or CharterBank any Subsidiary of the Company is a creditor which as of March 31, 20182016, had an outstanding balance of $500,000 100,000 or more and under the terms of which the obligor was, as of March 31, 20182016, over ninety (90) 90 days or more delinquent in payment of principal or interest and has not yet been charged-offinterest, or (ii) Loans with any director, executive officer or principal stockholder 5% or greater shareholder of Charter the Company or CharterBank (as such terms are defined any of its Subsidiaries, or to the knowledge of the Company, any affiliate of any of the foregoing. Set forth in 12 C.F.R. Part 215). Charter Section 3.25(a) of the Company Disclosure Schedule Section 3.26(a) also sets forth is a true, correct and complete list of (A) all of the Loans of Charter the Company and CharterBank its Subsidiaries that, as of March 31, 2018 had an outstanding balance of $500,000 or more and 2016, were classified by Charter (A) as of March 31, 2018 the Company as “Other Loans Specially Mentioned,” “Special Mention,” “Substandard,” “Doubtful,” “Loss,” “Classified,” “Criticized,” “Credit Risk Assets,” “Concerned Loans,” “Watch List” or words of similar import, or (B) on or after January 1, 2016 as “Loss” in all cases together with the aggregate principal amount of and accrued and unpaid interest on each such Loan and the identity of the borrower thereunder, together with the aggregate principal amount of and accrued and unpaid interest on such Loans, by category of Loan (e.g., commercial, consumer, etc.), together with the aggregate principal amount of such Loans by category and (B) each asset of the Company or any of its Subsidiaries that, as of March 31, 20182016, is classified as “Other Real Estate Owned” and the book value thereof.

Loan Portfolio. (a) As of the date hereof, except as set forth in Charter Disclosure Schedule Section 3.26(a)) of the Seller Disclosure Schedule, neither Charter Seller nor CharterBank any of its Subsidiaries is a party to any written or oral (i) loan, loan agreement, note or borrowing arrangement (including leases, credit enhancements, commitments, guarantees and interest-bearing assets) (collectively, “Loans”) in which Charter Seller or CharterBank any Subsidiary of Seller is a creditor which that as of March December 31, 20182017, had an outstanding balance of $500,000 100,000 or more and under the terms of which the obligor was, as of March December 31, 20182017, over ninety (90) 90 days or more delinquent in payment of principal or interest and has not yet been charged-offinterest, or (ii) Loans with any director, executive officer or principal stockholder 5% or greater shareholder of Charter Seller or CharterBank (as such terms are defined in 12 C.F.R. Part 215)any of its Subsidiaries, or to the knowledge of Seller, any affiliate of any of the foregoing. Charter Disclosure Schedule Section 3.26(a) also of the Seller Disclosure Schedule sets forth a true, correct and complete list of all of the Loans of Charter Seller and CharterBank its Subsidiaries that, as of March December 31, 2018 2017, had an outstanding balance of $500,000 100,000 or more and were classified by Charter (A) as of March 31, 2018 Seller as “Other Loans Specially Mentioned,” “Special Mention,” “Substandard,” “Doubtful,” “Loss,” “Classified,” “Criticized,” “Credit Risk Assets,” “Concerned Loans,” “Watch List” or words of similar import, or (B) on or after January 1, 2016 as “Loss” in all cases together with the aggregate principal amount of and accrued and unpaid interest on each such Loan and the aggregate principal amount of and accrued and unpaid interest on all such Loans as of March December 31, 20182017.

Loan Portfolio. (a) As of the date hereof, except as set forth in Charter Section 3.25(a) of the Company Disclosure Schedule Section 3.26(a)Schedule, neither Charter the Company nor CharterBank any of its Subsidiaries is a party to any written or oral (i) loan, loan agreement, note or borrowing arrangement (including leases, credit enhancements, commitments, guarantees and interest-bearing assets) (collectively, “"Loans”") in which Charter the Company or CharterBank any Subsidiary of the Company is a creditor which as of March 31, 20182016, had an outstanding balance of $500,000 1,000,000 or more and under the terms of which the obligor was, as of March 31, 20182016, over ninety (90) days or more delinquent in payment of principal or interest and has not yet been charged-offinterest, or (ii) Loans with any director, executive officer or principal 5% or greater stockholder of Charter the Company or CharterBank any of its Subsidiaries, or to the knowledge of the Company, any affiliate of any of the foregoing (as such terms are defined in 12 C.F.R. Part 215other than the Company and its Subsidiaries). Charter Set forth in Section 3.25(a) of the Company Disclosure Schedule Section 3.26(a) also sets forth is a true, correct and complete list of (A) all of the Loans of Charter the Company and CharterBank its Subsidiaries that, as of March 31, 2018 had an outstanding balance of $500,000 or more and 2016, were classified by Charter (A) the Company as of March 31, 2018 as “"Other Loans Specially Mentioned,” “" "Special Mention,” “" "Substandard,” “" "Doubtful,” “" "Loss," "Classified,” “" "Criticized,” “" "Credit Risk Assets,” “" "Concerned Loans,” “" "Watch List” " or words of similar import, or (B) on or after January 1, 2016 as “Loss” in all cases together with the aggregate principal amount of and accrued and unpaid interest on each such Loan and the identity of the borrower thereunder, together with the aggregate principal amount of and accrued and unpaid interest on such Loans as of such date and (B) each asset of the Company or any of its Subsidiaries that, as of March 31, 20182016, is classified as "Other Real Estate Owned" and the book value thereof.

Loan Portfolio. (a) As of the date hereof, except as set forth in Charter Section 3.25(a) of the Company Disclosure Schedule Section 3.26(a)Schedule, neither Charter the Company nor CharterBank any of its Subsidiaries is a party to any written or oral (i) loan, loan agreement, note or borrowing arrangement (including leases, credit enhancements, commitments, guarantees and interest-bearing assets) (collectively, “Loans”) in which Charter the Company or CharterBank any Subsidiary of the Company is a creditor which as of March 31, 20182016, had an outstanding balance of $500,000 1,000,000 or more and under the terms of which the obligor was, as of March 31, 20182016, over ninety (90) days or more delinquent in payment of principal or interest and has not yet been charged-offinterest, or (ii) Loans with any director, executive officer or principal 5% or greater stockholder of Charter the Company or CharterBank any of its Subsidiaries, or to the knowledge of the Company, any affiliate of any of the foregoing (as such terms are defined in 12 C.F.R. Part 215other than the Company and its Subsidiaries). Charter Set forth in Section 3.25(a) of the Company Disclosure Schedule Section 3.26(a) also sets forth is a true, correct and complete list of (A) all of the Loans of Charter the Company and CharterBank its Subsidiaries that, as of March 31, 2018 had an outstanding balance of $500,000 or more and 2016, were classified by Charter (A) as of March 31, 2018 the Company as “Other Loans Specially Mentioned,” “Special Mention,” “Substandard,” “Doubtful,” “Loss,” “Classified,” “Criticized,” “Credit Risk Assets,” “Concerned Loans,” “Watch List” or words of similar import, or (B) on or after January 1, 2016 as “Loss” in all cases together with the aggregate principal amount of and accrued and unpaid interest on each such Loan and the identity of the borrower thereunder, together with the aggregate principal amount of and accrued and unpaid interest on such Loans as of such date and (B) each asset of the Company or any of its Subsidiaries that, as of March 31, 20182016, is classified as “Other Real Estate Owned” and the book value thereof.