As a condition of participation in the Bank Deposit Financial Assistance Program
(BDFAP), the Minority Financial lnstitution fully agrees to comply with the intent of the
program, the instructions provided by the Administrative Financial lnstitutions (AFls),
which serve as "trustees" for the Depositor, and the terms set forth below. In this
Agreement the term "Depositor" refers to the U.S. Department of Energy and the term
"Regulatory Agency" refers to the Federal Deposit Insurance Corporation for banks and
the Office of Thrift Supervision for savings and loan associations or to their legally
constituted successor insurance administrators.