Common use of Loans and Deposits Clause in Contracts

Loans and Deposits. (a) As of August 31, 2006, neither the Company nor any of its Subsidiaries is a party to any written or oral (i) loan, loan agreement, note or borrowing arrangement (including, without limitation, leases, credit enhancements, commitments, guarantees and interest-bearing assets) (collectively, “Loans”) over ninety (90) days delinquent in payment of principal or interest or, to the knowledge of the Company, is in violation of a material non-monetary covenant or obligation, or (ii) as of August 31, 2006, Loan with any director, executive officer or five percent (5.0%) or greater shareholder of the Company, or, to the knowledge of the Company, any person, corporation or enterprise controlling, controlled by or under common control with any of the foregoing. Schedule 4.20(a) sets forth (x) all of the Loans of the Company or any of its Subsidiaries that as of August 31, 2006 were classified by any internal or external examiner as “Other Loans Specially Mentioned,” “Special Mention,” “Substandard,” “Doubtful,” “Loss,” “Classified,” “Criticized,” “Credit Risk Assets,” “Concerned Loans,” “Watch List” or words of similar import, together with the principal amount of and accrued and unpaid interest on each such Loan and the identity of the borrower thereunder, (y) by category of Loan (i.e., commercial, consumer, etc.) all of the Loans of the Company or any of its Subsidiaries which were classified as of August 31, 2006, and (z) each asset of the Company or any of its Subsidiaries that as of August 31, 2006, was classified as “Other Real Estate Owned” and the book value thereof.

Loans and Deposits. (a) As of August 31, 2006Except as set forth in the Company Disclosure Schedule, neither the Company nor any of its Subsidiaries the Bank is a party to any written or oral (i) loan, loan agreement, note or borrowing arrangement (including, without limitation, leases, credit enhancements, commitments, guarantees and interest-bearing assets) (collectively, “Loans”) ), as of March 31, 2005, over ninety (90) days delinquent in payment of principal or interest or, to the knowledge of the CompanyBank, is in violation of a material non-monetary covenant or obligation, or (ii) as of August March 31, 20062005, Loan with any director, executive officer or five percent (5.05%) or greater shareholder stockholder of the Company, or, to the knowledge of the Company, any person, corporation or enterprise controlling, controlled by or under common control with any of the foregoing. Schedule Section 4.20(a) of the Company Disclosure Schedule sets forth (x) all of the Loans of the Bank or the Company or any of its Subsidiaries that as of August March 31, 2006 2005 were classified by any internal or external examiner as “Other Loans Specially Mentioned,” “Special Mention,” “Substandard,” “Doubtful,” “Loss,” “Classified,” “Criticized,” “Credit Risk Assets,” “Concerned Loans,” “Watch List” or words of similar import, together with the principal amount of and accrued and unpaid interest on each such Loan and the identity of the borrower thereunder, (y) by category of Loan (i.e., commercial, consumer, etc.) all of the Loans of the Company or any of its Subsidiaries Bank which were classified as of August March 31, 20062005, and (z) each asset of the 20 Company or any of its Subsidiaries the Bank that as of August December 31, 20062004, was classified as “Other Real Estate Owned” and the book value thereof.

Loans and Deposits. (a) As Except as listed on Section 4.19(a) of August the Company Disclosure Schedule, as of October 31, 2006, neither the Company nor any of its the Company’s Subsidiaries is a party to any written or oral (i) loan, loan agreement, note or borrowing arrangement (including, without limitation, leases, credit enhancements, commitments, guarantees and interest-bearing assets) (collectively, “Loans”) over ninety (90) days delinquent in payment of principal or interest or, to the knowledge of the Company or any of the Company’s Subsidiaries, is in violation of a material non-monetary covenant or obligation, or (ii) as of August 31, 2006, Loan with any director, executive officer or five percent (5.0%) or greater shareholder of the Company, or, to the knowledge of the Company or any of the Company’s Subsidiaries, any person, corporation or enterprise controlling, controlled by or under common control with any of the foregoing. Section 4.19(a) of the Company Disclosure Schedule 4.20(a) sets forth (x) all of the Loans of the Company or any of its the Company’s Subsidiaries that as of August October 31, 2006 were classified by any internal or external examiner as “Other Loans Specially Mentioned,” “Special Mention,” “Substandard,” “Doubtful,” “Loss,” “Classified,” “Criticized,” “Credit Risk Assets,” “Concerned Loans,” “Watch List” or words of similar import, together with the principal amount of and accrued and unpaid interest on each such Loan and the identity of the borrower thereunder, (y) by category of Loan (i.e., commercial, consumer, etc.) all of the Loans of the Company or any of its the Company’s Subsidiaries which were classified as of August October 31, 2006, and (z) each asset of the Company or any of its the Company’s Subsidiaries that as of August October 31, 2006, was classified as “Other Real Estate Owned” and the book value thereof.

Loans and Deposits. (a) As of August 31, 2006Except as set forth in the Company Disclosure Schedule, neither the Company nor any of its Subsidiaries the Bank is a party to any written or oral (i) loan, loan agreement, note or borrowing arrangement (including, without limitation, leases, credit enhancements, commitments, guarantees and interest-bearing assets) (collectively, “Loans”) ), as of March 31, 2005, over ninety (90) days delinquent in payment of principal or interest or, to the knowledge of the CompanyBank, is in violation of a material non-monetary covenant or obligation, or (ii) as of August March 31, 20062005, Loan with any director, executive officer or five percent (5.05%) or greater shareholder stockholder of the Company, or, to the knowledge of the Company, any person, corporation or enterprise controlling, controlled by or under common control with any of the foregoing. Schedule Section 4.20(a) of the Company Disclosure Schedule sets forth (x) all of the Loans of the Bank or the Company or any of its Subsidiaries that as of August March 31, 2006 2005 were classified by any internal or external examiner as “Other Loans Specially Mentioned,” “Special Mention,” “Substandard,” “Doubtful,” “Loss,” “Classified,” “Criticized,” “Credit Risk Assets,” “Concerned Loans,” “Watch List” or words of similar import, together with the principal amount of and accrued and unpaid interest on each such Loan and the identity of the borrower thereunder, (y) by category of Loan (i.e., commercial, consumer, etc.) all of the Loans of the Company or any of its Subsidiaries Bank which were classified as of August March 31, 20062005, and (z) each asset of the Company or any of its Subsidiaries the Bank that as of August December 31, 20062004, was classified as “Other Real Estate Owned” and the book value thereof.

Loans and Deposits. (a) As of August 31, 2006Except as set forth in the Company Disclosure Schedule, neither the Company nor any of its Subsidiaries is a party to any written or oral (i) loan, loan agreement, note or borrowing arrangement (including, without limitation, leases, credit enhancements, commitments, guarantees and interest-bearing assets) (collectively, “Loans”) ), as of March 31, 2005, over ninety (90) days delinquent in payment of principal or interest or, to the knowledge of the Company, is in violation of a material non-monetary covenant or obligation, or (ii) as of August March 31, 20062005, Loan with any director, executive officer or five percent (5.05%) or greater shareholder of the Company, or, to the knowledge of the Company, any person, corporation or enterprise controlling, controlled by or under common control with any of the foregoing. Schedule Section 4.20(a) of the Company Disclosure Schedule sets forth (x) all of the Loans of the Company or any of its Subsidiaries that as of August March 31, 2006 2005 were classified by any internal or external examiner as “Other Loans Specially Mentioned,” “Special Mention,” “Substandard,” “Doubtful,” “Loss,” “Classified,” “Criticized,” “Credit Risk Assets,” “Concerned Loans,” “Watch List” or words of similar import, together with the principal amount of and accrued and unpaid interest on each such Loan and the identity of the borrower thereunder, (y) by category of Loan (i.e., commercial, consumer, etc.) all of the Loans of the Company or any of its Subsidiaries which were classified as of August March 31, 20062005, and (z) each asset of the Company or any of its Subsidiaries that as of August December 31, 20062004, was classified as “Other Real Estate Owned” and the book value thereof.