Board of Governors of the Federal Reserve System

Bank), John A. Ikard (First Bank Holding Company), James R. Kelly (Arvest...Bank Group), Charles E. Knadler (Enerbank USA), Gerald Lipkin (Valley

1 Board of Governors of the Federal Reserve System ____________________________________________________________________________________ 2015

Bank o f Richmond has become aware that you were convicted upon a plea...non-bank subsidiaries o f bank hold ing com panies or uninsured branches

bank fraud in connection with your employment by RBC-Centura Bank, Rocky...non-bank subsidiaries o f bank hold ing com panies or uninsured branches

Bank Holding Company Act, as amended. The requested relief would completely

Bank Credit .............................................................thrift-to-bank and bank-to-thrift structure activity in October 2006 and

BANK o f NEW YORK. 33 LIBERTY STREET, NEW YORK, NY 10045-0001. YOONHI ...non-bank subsidiaries of bank holding companies or uninsured branches

Banks Other Banks Banks Percent Banks Percent Banks Percent Tightened ...Banks Other Banks Banks Percent Banks Percent Banks Percent Tightened

Banks (Consumer s)1 2 3 4 5 6 Payment Capture Authorization Settlement

bank holding company, owns and controls Alliance Bank, Lake City, Minnesota...Bank issued by the Bank's federal regulator; (b) the adequacy of the Bank's