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.

For immediate

The

release

Federal

of a Written

Agreement

Corporation,

Greenwood,

Bank

Reserve

Board

today

by and between
South

announced

Community

Carolina,

and

11, 1999

the execution

Capital

the Federal

Reserve

of Richmond.
The Written

Year

June

2000

includes

provisions

addressing

readiness.
A copy

Attachment

Agreement

of the Written

Agreement

is attached.

UNITED STATES OF AMERICA
BEFORE
THE BOARD OF GOVERNORS

OF THE FEDERAL

WASHINGTON,

Written Agreement by and between

)

COMMUNITY CAPITAL CORPORATION
Greenwood, South Carolina

)
)

FEDERAL RESERVE BANK
OF RICHMOND
Richmond, Virginia

mission-critical

D. C.

Docket No.

99-OlZWA/RB-SM

;
)
)

WHEREAS, in recognition

Carolina (“Community”),

SYSTEM

)
)
)
)

and

records and information

RESERVE

of their common goal to maintain the integrity of the

systems of Community

Capital Corporation,

Greenwood,

South

a registered bank holding company, and to ensure that all

systems of Community

and the mission-critical

performs for itself, its five subsidiary banks, Greenwood

services Community

Bank & Trust, Greenwood,

South Carolina, the Bank of Newberry County, Newberry, South Carolina, Community
Bank & Trust, Bamwell,

South Carolina, TheBank, Belton, South Carolina, Clemson

Bank & Trust, Clemson, South Carolina, and its non-bank subsidiaries,
Financial Services, Greenwood,

South Carolina, Community

Community

Trust Company,

Greenwood,

South Carolina, and GNB Mortgage Company, Greenwood,

(collectively,

the “Subsidiaries”)

South Carolina,

will continue to be fully functional before, on, and after

before, on, and after January 1,2000, Community
Richmond
Agreement

and the Federal Reserve Bank of

(the “Reserve Bank”) have mutually agreed to enter into this Written
(the “Agreement”);

WHEREAS, this Agreement

is being executed in accordance

with the Rules

Regarding Delegation of Authority of the Board of Governors of the Federal Reserve
System (the “Board of Governors”),

specifically

12 C.F.R. 265.11 (a)( 15), and the

Reserve Bank has received the prior approval of the Director of the Division of Banking
Supervision

and Regulation

and the General Counsel of the Board of Governors to enter

into this Agreement with Community;

WHEREAS,
Community,

on 97

and

2

at a duly constituted

&

, 1999, the board of directors of

meeting, adopted a resolution authorizing

enter into this Agreement
consented to compliance

by Community

and directing

on behalf of Community,

and its institution-affiliated

and

parties, as defined in

sections 3(u) and 8(b)(3) of the Federal Deposit Insurance Act, as amended (12 U.S.C.
18 13(u) and 18 18(b)(3)) (the “FDI Act”), with each and every provision of this
Agreement.

NOW, THEREFORE,

before the taking of any testimony

or adjudication

finding on any issue of fact or law herein, and without this Agreement

constituting

admission of any allegation made or implied by the Board of Governors,
the Reserve Bank agree as follows:

2

of, or
an

Community

and

1. Community

shall take the following actions to ensure that its internal and

external mission-critical

systems are Year 2000 compliant:

(a) By June 30, 1999, successfully
of all mission-critical

complete testing the Year 2000 readiness

systems, including successfully

complete implementation

testing with the Subsidiaries,

of such systems;

(b) adequately document test results, including documentation
tests performed;

and

the mission-critical

of types of

systems tested; the test dates; the outcome of the

tests; and the method of test validation; and

(c) independently

verify testing of mission-critical

2. By June 30, 1999, Community
written Year 2000 business resumption
caused by failures of Community’s

systems.

shall submit to the Reserve Bank an acceptable

contingency

mission-critical

plan to mitigate risks that may be
systems.

The plan shall, at a

minimum, address, consider, and include the following:

(a) Primary objectives,
of service to the Subsidiaries;
organizational

including, but not limited to, minimizing

the timely resumption

planning guidelines

of operations; and establishment

that define Community’s

business continuity

strategy; and limiting losses to the Subsidiaries due to disruptions;

3

disruptions
of

planning

(b) requirements

for periodic and independent

(c) a requirement

for the periodic update of the plan as needs and

circumstances

testing of the plan; and

require.

3. Community’s

management

responsible

written bi-weekly reports to Community’s

board of directors and the Reserve Bank

detailing the company’s Year 2000 compliance
of all actions taken to secure compliance

for the Year 2000 program shall submit

efforts, and detailing the form and manner

with this Agreement

and the results thereof

4. The plan required by paragraph 2 hereof shall be submitted to the Reserve
Bank for review and approval.

The Reserve Bank may comment on the plan. An

acceptable plan shall be submitted to the Reserve Bank within the time period set forth in
paragraph 2 hereof.

Community

shall adopt the approved plan within 10 days of

approval by the Reserve Bank and then shall fully comply with it. During the term of this
Agreement,

Community

shall not amend, except for the periodic updates specified in

paragraph 2(c) hereof, or rescind the approved plan without the prior written approval of
the Reserve Bank.

5.

All communications

regarding this Agreement

shall be sent to:

(a)

Lloyd W. Bostian, Jr.
Senior Vice President
Federal Reserve Bank of Richmond
P.O. Box 27622
Richmond, Virginia 23261

(b)

William G. Stevens
President and Chief Executive Offtcer
Community Capital Corporation
P.O. Box 218
Greenwood, South Carolina 29648

6. The provisions of this Agreement
of its institution-affiliated

shall be binding upon Community

and each

parties, in their capacities as such, and their successors

and

assigns,

7. Each provision of this Agreement
stayed, modified, terminated

8. Notwithstanding
Bank, in its sole discretion,

shall remain effective and enforceable

until

or suspended by the Reserve Bank.

any provision of this Agreement to the contrary, the Reserve
may grant written extensions of time to Community

to

comply with any provision of this Agreement.

9. The provisions of this Agreement
federal or state agency or department

shall not bar, estop, or otherwise prevent any

from taking any other action affecting Community

or any of its current or former institution-affiliated

5

parties and their successors

or assigns.

I

10. This Agreement

is a “written agreement” for the purposes of section 8 of the

FDI Act (12 U.S.C.1818).

IN WITNESS WHEREOF, the parties have caused this Agreement

to be

executed as of the

Community

Capital Corporation

By:

The undersigned
~~~~~~reto

Federal Reserve Bank of Richmond

By:

directors of Community

each acknowledge having read the foregoing
by Community.

&?&-+_Cf&Q
David P. Allred

Thomas C. Lynch, Jr.

Earl H. Bergen

H. Edward Munnerlyn

George B. Park

John W. Drurprhond

Joe H. Patrick, Jr.

James M. Horton

6

r

I

v

C!&
h

Clinton C. Lemon, Jr.

7