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UNITED STATES OF AMERICA
BEFORE THE
BOARD OF GOVERNORS

OF THE FEDERAL RESERVE

In the Matter of
PAUL P. PIPER, JR.
A Former Institution-Affiliated

Party of

FIRST NATIONAL SUMMIT BANKSHARES
Crested Butte, Colorado

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FRB Docket Nos. 98-029-E-12
9%029-CMP-12

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Order to Cease and Desist and
Order of Assessment of Civil Money
Penalty Issued Upon Consent
Pursuant to the Change in Bank
Control Act and the Federal Deposit
Insurance Act, as Amended

and
FIRST NATIONAL
Gunnison, Colorado

WHEREAS,

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SUMMIT BANK

SYSTEM

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pursuant to Section 7(j) of the Change in Bank Control Act, 12 U.S.C

4 1817(j) (the “CIBC Act”), and Sections S(b) and S(i) of the Federal Deposit Insurance Act, as
amended, 12 U. S.C. $0 18 1S(b) and 18 1S(i) (the “FDI Act”), the Board of Governors of the
Federal Reserve System (the “Board of Governors”)

issues this combined Order to Cease and

Desist and Order of Assessment of Civil Money Penalty (the “Order”) upon the consent of Paul P.
Piper, Jr. (“Piper”), a former institution-affiliated

party, as defined in Sections 3(u) and 8(b)(3) of

the FDI Act, 12 U.S.C. $6 1813(u) and 1818(b)(3), ofFirst National Summit Bankshares,
Crested Butte, Colorado (“FNSB”), a former registered bank holding company, and First National
Summit Bank, Gunnison, Colorado (the “Bank’), a former chartered national bank, in connection
with Piper’s alleged involvement in the acquisition by Bob L. Sellers, a former institution-affiliated

party of FNSB and the Bank, of control of more than 25 percent of the outstanding voting shares
of FNSB without the prior approval from the Board of Governors; and
WHEREAS,

by affixing his signature hereunder, Piper has consented to the issuance of

this Order by the Board of Governors, and consented to comply with each and every provision of
this Order, and waived any and all rights he might have pursuant to 12 U.S.C. 0 1818, 12 C.F.R.
Part 263, or otherwise (a) to the issuance of a notice of charges and of hearing and a notice of
assessment of a civil money penalty; (b) to a hearing for the purpose of taking evidence with
respect to any matter implied or set forth in this Order; (c) to obtain judicial review of the Orders
or any provision hereoc and (d) to challenge or contest in any matter the basis, issuance, validity,
effectiveness,

collectibility or enforceability of this Order or any provision hereof.

NOW, THEREFORE,

prior to the taking of any testimony or adjudication of or finding

on any issue of fact or law herein, and without this Order constituting

an admission of any

allegation made or implied by the Board of Governors in connection with this proceeding, and
solely for the purpose of settlement of this proceeding without protracted

or extended hearing or

testimony:
IT IS HEREBY ORDERED, pursuant to Section 7(j) of the CIBC Act, and Sections
8(b) and S(i) of the FDI Act, that:
1. Piper shall cease and desist from any present or future violation of the CIBC Act;
2. Piper is assessed and shall pay to the Board of Governors a civil money penalty in the
amount of $25,000.
3. The penalty assessed pursuant to this Order shall be remitted in full, at the time of
Piper’s execution of this Order, payable to the “Board of Governors of the Federal Reserve

-3System” and forwarded with Piper’s executed copy of this Order, to Jennifer J. Johnson,
Secretary of the Board, Board of Governors of the Federal Reserve System, Washington, DC
2055 1. The Board of Governors shall remit the payment to the Treasury of the United States as
required by statute.
4. All communications

regarding this Order shall be sent to:

(a) James H. Jonson
Vice President
Federal Reserve Bank of Kansas City
925 Grand Boulevard
Kansas City, Missouri 64 198
(c) Paul P. Piper, Jr.
c/o Frank J. Glankler, Jr., Esq.
Glankler, Brown P.L.L.C.
One Commerce Square
Seventeenth Floor
Memphis, Tennessee 3 8 103 -2566
5. Any violations of this Order shall separately subject Piper to appropriate civil or
criminal penalties or both under Sections 8(i) and (j) of the FDI Act, 12 U.S.C. $5 1818(i) and (i).
6. The provisions of this Order shall not bar, estop, or otherwise prevent the Board of
Governors, or any Federal or state agency or department from taking any other action affecting
Piper, provided, however, that the Board of Governors shall not take any further action against
Piper based upon information presently known by the Board of Governors relating to the matters
addressed by this Order.
7. Each provision of this Order shall remain effective and enforceable until stayed,
modified, terminated or suspended in writing by the Board of Governors.

-4By order of the Board of Governors of the Federal Reserve System, effective this
b

day of&AA

, 1999.

BOARD OF GOVERNORS OF THE
FEDERAL RESERVE SYSTEM

Secretary of the Board