hours, paid sick leave, classification of employees as exempt or nonexempt and workers as employees or independent contractors, equitable pay practices, privacy rights, labor disputes, employment
discrimination, sexual or racial harassment or discrimination, workers compensation, unemployment insurance, disability rights or benefits, retaliation, immigration, family and medical leave, occupational safety and health, plant closings and
layoffs and other laws in respect of any reduction in force (including notice, information and consultation requirements).
(l) Compliance with Applicable Law and Privacy Obligations.
(i) The Company and each of its Subsidiaries hold, and have at all times since January 1, 2022 held, all
licenses, franchises, permits and authorizations necessary for the lawful conduct of their respective businesses and ownership of their respective properties, rights and assets under and pursuant to each (and have paid all fees and assessments due
and payable in connection therewith), except where neither the failure to hold nor the cost of obtaining and holding such license, franchise, permit or authorization (nor the failure to pay any fees or assessments) would, either individually or in
the aggregate, reasonably be expected to have a Material Adverse Effect, and, to the Knowledge of the Company, no suspension or cancellation of any such license, franchise, permit or authorization is threatened. Except as would not, either
individually or in the aggregate, reasonably be expected to have a Material Adverse Effect, the Company and its Subsidiaries have complied with any Law applicable to the Company or any of its Subsidiaries, including all laws relating to the privacy
and security of data or information that constitutes personal data, personally identifiable information, nonpublic personal information, personal information or a similar term (Personal
Data), the USA PATRIOT Act, the Bank Secrecy Act, the Equal Credit Opportunity Act and Regulation B, the Fair Housing Act, the Community Reinvestment Act, the Fair Credit Reporting Act, the Truth in Lending Act and Regulation Z,
the Home Mortgage Disclosure Act, the Fair Debt Collection Practices Act, the Electronic Fund Transfer Act, the Dodd-Frank Wall Street Reform and Consumer Protection Act, any regulations promulgated by the Consumer Financial Protection Bureau, the
Interagency Policy Statement on Retail Sales of Nondeposit Investment Products, the SAFE Mortgage Licensing Act of 2008, the Real Estate Settlement Procedures Act and Regulation X, and any other Laws relating to bank secrecy, discriminatory
lending, financing or leasing practices, consumer protection, money laundering prevention, foreign assets control, U.S. sanctions laws and regulations, Sections 23A and 23B of the Federal Reserve Act, the Sarbanes-Oxley Act, and all agency
requirements relating to the origination, sale and servicing of mortgage and consumer loans. Company Bank has a Community Reinvestment Act rating of satisfactory or better.
(ii) The Company, each of its Subsidiaries, and, to the Companys Knowledge, each of their officers,
directors, employees and agents acting on their behalf is, and for the last five years has been, in compliance in all material respects with (A) the Foreign Corrupt Practices Act of 1977 and (B) any other Laws applicable to the Company and
its Subsidiaries that address the prevention of corruption, bribery, terrorism or money laundering (the Anti-Corruption Laws). None of the Company, any of its Subsidiaries, or, to the Knowledge of the Company, any director,
officer, agent,
17