text: *Community Reinvestment Act of 1977*
  
  The Community Reinvestment Act of 1977, or CRA subjects a bank to regulatory assessment to determine if 
  the institution meets the credit needs of its entire community, including low- and moderate-income neighborhoods 
  served by the bank, and to take that determination into account in its evaluation of any application made by such 
  bank for, among other things, approval of the acquisition or establishment of a branch or other deposit facility, an 
  office relocation, a merger, or the acquisition of shares of capital stock of another financial institution. The 
  regulatory authority prepares a written evaluation of an institution’s record of meeting the credit needs of its entire 
  community and assigns a rating. We believe our subsidiary banks have taken significant actions to comply with the 
  CRA, and each has received at least a “satisfactory” commendation in its most recent review by federal regulators 
  with respect to its compliance with the CRA. 
  
  *Monitoring and Reporting Suspicious Activity*
  
  Under the Bank Secrecy Act, IRS rules and other regulations, we are required to monitor and report unusual or 
  suspicious account activity as well as transactions involving the transfer or withdrawal of amounts in excess of 
  prescribed limits. In the wake of the tragic events of September 11th, on October 26, 2001, the President signed the 
  Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism, 
  or USA PATRIOT Act, of 2001. Under the USA PATRIOT Act, financial institutions are subject to prohibitions 
  against specified financial transactions and account relationships as well as enhanced due diligence and “know your 
  customer” standards in their dealings with foreign financial institutions and foreign customers. For example, the 
  enhanced due diligence policies, procedures, and controls generally require financial institutions to take reasonable 
  steps to: 