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e-CFR=20 Data is current as of January 28, 2008


Title 12:=20 Banks and Banking

Browse=20 Previous | Browse=20 Next

PART 552=97FEDERAL STOCK ASSOCIATIONS=97INCORPORATION, = ORGANIZATION, AND=20 CONVERSION
Section Contents
=A7 552.2-1 &= nbsp; Procedure=20 for organization of Federal stock association.
=A7 552.2-2 &= nbsp; Procedures=20 for organization of interim Federal stock = association.
=A7 552.2-3 &= nbsp; Federal=20 stock association created in connection with an association in = default or=20 in danger of default.
=A7 552.2-6 &= nbsp; Conversion=20 from stock form depository institution to Federal stock=20 association.
=A7 552.2-7 &= nbsp; Conversion=20 to National banking association or State bank.
=A7 552.3 &nb= sp; Charters=20 for Federal stock associations.
=A7 552.4 &nb= sp; Charter=20 amendments.
=A7 552.5 &nb= sp; Bylaws.
=A7 552.6 &nb= sp; Shareholders.
=A7 552.6-1 =   Board=20 of directors.
=A7 552.6-2 =   Officers.
=A7 552.6-3 =   Certificates=20 for shares and their transfer.
=A7 552.6-4 =   [Reserved]
=A7 552.9 &n= bsp; [Reserved]
=A7 552.10 &= nbsp; Annual=20 reports to stockholders.
=A7 552.11 &= nbsp; Books=20 and records.
=A7 552.12 &= nbsp; [Reserved]
=A7 552.13 &= nbsp; Combinations=20 involving Federal stock associations.
=A7 552.14 &= nbsp; Dissenter=20 and appraisal rights.
=A7 552.15 &= nbsp; Supervisory=20 combinations.
=A7 552.16 &= nbsp; Effect=20 of subsequent charter or bylaw change.

Authority:   12 U.S.C. 1462, = 1462a,=20 1463, 1464, 1467a.

Source:   54 FR 49523, Nov. = 30, 1989,=20 unless otherwise noted.

=A7 552.2-1   Procedure for organization = of Federal=20 stock association.
=20 top

(a) Application for permission to organize. Applications = for=20 permission to organize a Federal stock association are subject to = this=20 section and to =A7543.3 of this chapter. Recommendations by = employees of the=20 OTS regarding applications for permission to organize are = privileged,=20 confidential, and subject to =A7510.5 (b) and (c) of this chapter. = The=20 processing of an application under this section shall be subject = to the=20 following procedures:

(1) Publication. (i) The applicant shall publish a = public notice=20 of the application to organize in accordance with the procedures = specified=20 in subpart B of part 516 of this chapter.

(ii) Promptly after publication of the public notice, the = applicant=20 shall transmit copies of the public notice and publisher's = affidavit of=20 publication to the OTS in the same manner as the original = filing.

(iii) Any person may inspect the application and all related=20 communications at the Regional Office during regular business = hours,=20 unless such information is exempt from public disclosure.

(2) Notification to interested parties. The OTS shall = give=20 notice of the application to the State official who supervises = savings=20 associations in the State in which the new association is to be=20 located.

(3) Submission of comments. Commenters may submit = comments on=20 the application in accordance with the procedures specified in = subpart C=20 of part 516 of this chapter.

(4) Meetings. OTS may arrange a meeting in accordance = with the=20 procedures in subpart D of part 516 of this chapter.

(b) Conditions of approval. The OTS will decide all = applications=20 for permission to organize a Federal stock association.

(1) Factors that will be considered on all applications for = permission=20 to organize a Federal stock association are:

(i) Whether the applicants are persons of good character and=20 responsibility;

(ii) Whether a necessity exists for such association in the = community=20 to be served;

(iii) Whether there is a reasonable probability of the = association's=20 usefulness and success;

(iv) Whether the association can be established without undue = injury to=20 properly conducted existing local thrift and home financing = institutions;=20 and

(v) Whether the association will perform a role of providing = credit for=20 housing consistent with safe and sound operation of a Federal = savings=20 association.

(2) [Reserved]

(3) Approvals of applications will be conditioned on the = following:

(i) Receipt by the Office of written confirmation from the = Federal=20 Deposit Insurance Corporation that the accounts of the association = will be=20 insured by the Federal Deposit Insurance Corporation;

(ii) The sale of a minimum amount of fully-paid capital stock = of the=20 association prior to commencing business;

(iii) The submission of a statement that:

(A) The applicants have incurred no expense in organization = which is=20 chargeable to the association, and that no such expense will be = incurred,=20 and

(B) No funds will be accepted for deposit by the association = until=20 organization has been completed;

(iv) Compliance with all applicable laws, rules, and = regulations;=20 and

(v) The satisfaction of any other requirement or condition the = Director=20 or his or her designee may impose.

(c) Issuance of charter. Upon approval of an = application, the=20 Office shall issue to the association a charter for a Federal = stock=20 savings association or for a Federal stock savings bank, as = requested by=20 the applicants, which shall be in the form provided in this part. = Issuance=20 of the charter shall be subject to the condition subsequent that = the=20 organization of the association is completed pursuant to this = section.

(d) Interim board of directors and officers. Upon = approval of=20 the application and the issuance of the charter, the applicants = shall=20 constitute the interim board of directors of the association until = the=20 board of directors of the association are elected by its = stockholders at=20 the organizational meeting required by paragraph (g) of this = section, and=20 the interim officers of the association shall be those persons set = forth=20 in the application for permission to organize.

(e) Sale of capital stock. Upon the issuance of the = charter, the=20 association shall proceed to offer and sell its capital stock = pursuant to=20 the requirements of part 563g of this chapter.

(f) Bank membership and insurance of accounts. Promptly = upon the=20 issuance of the charter, a Federal stock association must qualify = as a=20 member of the appropriate Federal Home Loan Bank and meet all = requirements=20 necessary to obtain insurance of accounts by the Federal Deposit = Insurance=20 Corporation.

(g) Organizational meeting. Promptly upon the completion = of the=20 sale of its capital stock, the association shall provide notice, = pursuant=20 to =A7552.6(b), of a meeting of its stockholders to elect a board = of=20 directors. Immediately following such election, the directors = shall meet=20 to elect the officers of the association and to undertake any = other action=20 necessary under the charter or bylaws to complete corporate=20 organization.

(h) Completion of organization. Organization of a = Federal stock=20 association shall be deemed complete for the purposes of this part = when:

(1) The association has obtained Federal Home Loan Bank = membership and=20 insurance of its accounts from the Federal Deposit Insurance=20 Corporation;

(2) It has completed the sale of and received full payment for = its=20 capital stock;

(3) It has complied with all requirements of part 563g of this=20 chapter;

(4) It has held its organizational meeting for the election of=20 directors and all directors have been elected;

(5) Its officers have been elected and bonded; and

(6) It has met the requirements and conditions imposed by the = Office in=20 connection with approval of the application.

(i) Failure of completion. If organization of a Federal = stock=20 association is not completed within six months after the OTS = approves the=20 application, or within such additional period as the OTS for good = cause=20 may grant, the charter shall become null and void and all = subscriptions to=20 capital stock shall be returned.

[54 FR 49523, Nov. 30, 1989, as amended at 57 FR 14342, Apr. = 20, 1992;=20 62 FR 27181, May 19, 1997; 62 FR 64146, Dec. 4, 1997; 69 FR 68249, = Nov.=20 24, 2004]

=A7 552.2-2   Procedures for organization = of interim=20 Federal stock association.
=20 top

(a) Applications for permission to organize an interim Federal = savings=20 association are not subject to subparts B, C and D of part 516 of = this=20 chapter or =A7552.2=961(b)(3) of this part.

(b) Approval of an application for permission to organize an = interim=20 Federal stock association shall be conditioned upon approval by = the Office=20 of an application to merge the interim Federal stock association, = or upon=20 approval by the Office of other transaction which the interim was=20 chartered to facilitate. Applications for permission to organize = an=20 interim Federal stock association shall be submitted in the same = manner as=20 the related filing(s). In evaluating the application, the Office = will=20 consider the purpose for which the association will be organized, = the form=20 of any proposed transactions involving the association, the effect = of the=20 transactions on existing associations involved in the = transactions, and=20 the factors specified in =A7552.1(b)(1) to the extent = relevant.

(c) If a merger or other transaction facilitated by the = existence of=20 the interim Federal stock association has not been approved within = six=20 months of the approval of the application for permission to = organize,=20 unless extended by OTS for good cause shown, the charter shall be = void and=20 all subscriptions for capital stock shall be returned.

[54 FR 49523, Nov. 30, 1989, as amended at 55 FR 13513, Apr. = 11, 1990;=20 57 FR 14342, Apr. 20, 1992; 62 FR 64146, Dec. 4, 1997]

=A7 552.2-3   Federal stock association = created in=20 connection with an association in default or in danger of=20 default.
=20 top

Sections 552.2=961 and 552.2=962 of this part do not apply to a = Federal=20 stock association which is proposed by the Federal Deposit = Insurance=20 Corporation, or the Resolution Trust Corporation under section = 5(p) of the=20 Home Owner's Loan Act of 1933, section 11(c) of the Federal = Deposit=20 Insurance Act, or section 21A of the Federal Home Loan Bank Act, = or is=20 otherwise chartered by the Office in connection with an = association in=20 default or in danger of default. Incorporation and organization of = such=20 associations are complete when and under such conditions as the = Director=20 or his or her designee so determines.

=A7 552.2-6   Conversion from stock form = depository=20 institution to Federal stock association.
=20 top

(a) With the approval of the Office, any stock depository = institution=20 that is, or is eligible to become, a member of a Federal Home Loan = Bank,=20 may convert to a Federal stock association, provided that the = depository=20 institution, at the time of the conversion, has deposits insured = by the=20 Federal Deposit Insurance Corporation, and provided further, that = the=20 depository institution, in accomplishing the conversion, complies = with all=20 applicable statutes and regulations, including, without = limitation,=20 section 5(d) of the Federal Deposit Insurance Act. The resulting = Federal=20 stock association must conform within the time prescribed by the = OTS to=20 the requirements of section 5(c) of the Home Owners' Loan Act. For = purposes of this section, the term =93depository institution=94 = shall have the=20 meaning set forth at 12 CFR 552.13(b). An application for = conversion filed=20 under this section is subject to the procedures for organization = of a=20 federal stock organization at =A7552.2=961.

(b) Any and all of the assets and other property (whether real, = personal, mixed, tangible or intangible, including choses in = action,=20 rights, and credits) of the former stock form depository = institution=20 become assets and property of the Federal stock association when = the=20 conversion occurs. Similarly, any and all of the obligations and = debts of=20 or claims against the former stock form depository institution = become=20 obligations and debts of and claims against the Federal stock = association=20 when the conversion occurs. In effect, the Federal stock = association is=20 the same as the former stock form depository institution with = respect to=20 any and all assets, property, claims and debts of or claims = against the=20 former stock form depository institution.

[59 FR 44623, Aug. 30, 1994, as amended at 66 FR 13006, Mar. 2, = 2001;=20 66 FR 23154, May 8, 2001]

=A7 552.2-7   Conversion to National = banking=20 association or State bank.
=20 top

A Federal stock association may convert to a National banking=20 association or a State bank after filing a notification or = application, as=20 appropriate, with the Office in accordance with the applicable = provisions=20 of =A7563.22(b) of this chapter.

[59 FR 44623, Aug. 30, 1994]

=A7 552.3   Charters for Federal stock=20 associations.
=20 top

The charter of a Federal stock association shall be in the = following=20 form, except that an association that has converted from the = mutual form=20 pursuant to part 563b of this chapter shall include in its charter = a=20 section establishing a liquidation account as required by = =A7563b.3(c)(13)=20 of this chapter. A charter for a Federal stock savings bank shall=20 substitute the term =93savings bank=94 for =93association.=94 = Charters may also=20 include any preapproved optional provision contained in =A7552.4 = of this=20 part.

Federal Stock Charter

Section 1. Corporate title. The full corporate title of = the=20 association is ___.

Section 2. Office. The home office shall be located in = ___=20 [city, state].

Section 3. Duration. The duration of the association is=20 perpetual.

Section 4. Purpose and powers. The purpose of the = association is=20 to pursue any or all of the lawful objectives of a Federal savings = association chartered under section 5 of the Home Owners' Loan Act = and to=20 exercise all of the express, implied, and incidental powers = conferred=20 thereby and by all acts amendatory thereof and supplemental = thereto,=20 subject to the Constitution and laws of the United States as they = are now=20 in effect, or as they may hereafter be amended, and subject to all = lawful=20 and applicable rules, regulations, and orders of the Office of = Thrift=20 Supervision (=93Office=94).

Section 5. Capital stock. The total number of shares of = all=20 classes of the capital stock that the association has the = authority to=20 issue is ___, all of which shall be common stock of par [or if no = par is=20 specified then shares shall have a stated] value of ___ per share. = The=20 shares may be issued from time to time as authorized by the board = of=20 directors without the approval of its shareholders, except as = otherwise=20 provided in this Section 5 or to the extent that such approval is = required=20 by governing law, rule, or regulation. The consideration for the = issuance=20 of the shares shall be paid in full before their issuance and = shall not be=20 less than the par [or stated] value. Neither promissory notes nor = future=20 services shall constitute payment or part payment for the issuance = of=20 shares of the association. The consideration for the shares shall = be cash,=20 tangible or intangible property (to the extent direct investment = in such=20 property would be permitted to the association), labor, or = services=20 actually performed for the association, or any combination of the=20 foregoing. In the absence of actual fraud in the transaction, the = value of=20 such property, labor, or services, as determined by the board of = directors=20 of the association, shall be conclusive. Upon payment of such=20 consideration, such shares shall be deemed to be fully paid and=20 nonassessable. In the case of a stock dividend, that part of the = retained=20 earnings of the association that is transferred to common stock or = paid-in=20 capital accounts upon the issuance of shares as a stock dividend = shall be=20 deemed to be the consideration for their issuance.

Except for shares issued in the initial organization of the = association=20 or in connection with the conversion of the association from the = mutual to=20 stock form of capitalization, no shares of capital stock = (including shares=20 issuable upon conversion, exchange, or exercise of other = securities) shall=20 be issued, directly or indirectly, to officers, directors, or = controlling=20 persons of the association other than as part of a general public = offering=20 or as qualifying shares to a director, unless the issuance or the = plan=20 under which they would be issued has been approved by a majority = of the=20 total votes eligible to be cast at a legal meeting.

The holders of the common stock shall exclusively possess all = voting=20 power. Each holder of shares of common stock shall be entitled to = one vote=20 for each share held by such holder, except as to the cumulation of = votes=20 for the election of directors, unless the charter provides that = there=20 shall be no such cumulative voting. Subject to any provision for a = liquidation account, in the event of any liquidation, dissolution, = or=20 winding up of the association, the holders of the common stock = shall be=20 entitled, after payment or provision for payment of all debts and=20 liabilities of the association, to receive the remaining assets of = the=20 association available for distribution, in cash or in kind. Each = share of=20 common stock shall have the same relative rights as and be = identical in=20 all respects with all the other shares of common stock.

Section 6. Preemptive rights. Holders of the capital = stock of=20 the association shall not be entitled to preemptive rights with = respect to=20 any shares of the association which may be issued.

Section 7. Directors. The association shall be under the = direction of a board of directors. The authorized number of = directors, as=20 stated in the association's bylaws, shall not be fewer than five = nor more=20 than fifteen except when a greater or lesser number is approved by = the=20 Director of the Office, or his or her delegate.

Section 8. Amendment of charter. Except as provided in = Section=20 5, no amendment, addition, alteration, change or repeal of this = charter=20 shall be made, unless such is proposed by the board of directors = of the=20 association, approved by the shareholders by a majority of the = votes=20 eligible to be cast at a legal meeting, unless a higher vote is = otherwise=20 required, and approved or preapproved by the=20 Office.

Attest:____________________

      Secretary of the=20 Association

By:____________________

      President or Chief = Executive=20 Officer of the Association

Attest:____________________

      Secretary of the Office of = Thrift=20 Supervision

By:____________________

      Director of the Office of = Thrift=20 Supervision

Effective Date:____________________

[54 FR 49523, Nov. 30, 1989, as amended at 59 FR 53571, Oct. = 25, 1994;=20 61 FR 64018, Dec. 3, 1996]

=A7 552.4   Charter amendments.
=20 top

(a) General. In order to adopt a charter amendment, a = Federal=20 stock association must comply with the following requirements:

(1) Board of directors approval. The board of directors = of the=20 association must adopt a resolution proposing the charter = amendment that=20 states the text of such amendment.

(2) Form of filing =97(i) Application requirement. = If the=20 proposed charter amendment would render more difficult or = discourage a=20 merger, tender offer, or proxy contest, the assumption of control = by a=20 holder of a block of the association's stock, the removal of = incumbent=20 management, or involve a significant issue of law or policy, the=20 association shall file the proposed amendment and shall obtain the = prior=20 approval of the OTS; and

(ii) Notice requirement. If the proposed charter = amendment does=20 not involve a provision that would be covered by paragraph = (a)(2)(i) of=20 this section and such amendment is permissible under all = applicable laws,=20 rules or regulations, then the association shall submit the = proposed=20 amendments to the OTS, at least 30 days prior to the date the = proposed=20 charter amendment is to be mailed for consideration by the = association's=20 shareholders.

(b) Approval. Any charter amendment filed pursuant to = paragraph=20 (a)(2)(ii) of this section shall automatically be approved 30 days = from=20 the date of filing of such amendment, provided that the = association=20 follows the requirements of its charter in adopting such = amendment, unless=20 prior to the expiration of such 30-day period the OTS notifies the = association that such amendment is rejected or that such amendment = is=20 deemed to be filed under the provisions of paragraph (a)(2)(i) of = this=20 section. In addition, the following charter amendments, including = the=20 adoption of the Federal stock charter as set forth in =A7552.3 of = this part,=20 shall be approved at the time of adoption, if adopted without = change and=20 filed with OTS within 30 days after adoption, provided the = association=20 follows the requirements of its charter in adopting such = amendments:

(1) Title change. A Federal stock association that has = complied=20 with =A7543.1(b) of this chapter may amend its charter by = substituting a new=20 corporate title in section 1.

(2) Home office. A Federal savings association may amend = its=20 charter by substituting a new home office in section 2, if it has = complied=20 with applicable requirements of =A7545.95 of this chapter.

(3) Number of shares of stock and par value. A Federal = stock=20 association may amend Section 5 of its charter to change the = number of=20 authorized shares of stock, the number of shares within each class = of=20 stock, and the par or stated value of such shares.

(4) Capital stock. A Federal stock association may amend = its=20 charter by revising Section 5 to read as follows:

Section 5. Capital stock. The total number of shares of = all=20 classes of capital stock that the association has the authority to = issue=20 is ___, of which ___ shall be common stock of par [or if no par = value is=20 specified the stated] value of ___ per share and of which [list = the number=20 of each class of preferred and the par or if no par value is = specified the=20 stated value per share of each such class]. The shares may be = issued from=20 time to time as authorized by the board of directors without = further=20 approval of shareholders, except as otherwise provided in this = Section 5=20 or to the extent that such approval is required by governing law, = rule, or=20 regulation. The consideration for the issuance of the shares shall = be paid=20 in full before their issuance and shall not be less than the par = [or=20 stated] value. Neither promissory notes nor future services shall=20 constitute payment or part payment for the issuance of shares of = the=20 association. The consideration for the shares shall be cash, = tangible or=20 intangible property (to the extent direct investment in such = property=20 would be permitted), labor, or services actually performed for the = association, or any combination of the foregoing. In the absence = of actual=20 fraud in the transaction, the value of such property, labor, or = services,=20 as determined by the board of directors of the association, shall = be=20 conclusive. Upon payment of such consideration, such shares shall = be=20 deemed to be fully paid and nonassessable. In the case of a stock=20 dividend, that part of the retained earnings of the association = that is=20 transferred to common stock or paid-in capital accounts upon the = issuance=20 of shares as a stock dividend shall be deemed to be the = consideration for=20 their issuance.

Except for shares issued in the initial organization of the = association=20 or in connection with the conversion of the association from the = mutual to=20 the stock form of capitalization, no shares of capital stock = (including=20 shares issuable upon conversion, exchange, or exercise of other=20 securities) shall be issued, directly or indirectly, to officers,=20 directors, or controlling persons of the association other than as = part of=20 a general public offering or as qualifying shares to a director, = unless=20 their issuance or the plan under which they would be issued has = been=20 approved by a majority of the total votes eligible to be cast at a = legal=20 meeting.

Nothing contained in this Section 5 (or in any supplementary = sections=20 hereto) shall entitle the holders of any class of a series of = capital=20 stock to vote as a separate class or series or to more than one = vote per=20 share, except as to the cumulation of votes for the election of = directors,=20 unless the charter otherwise provides that there shall be no such=20 cumulative voting: Provided, That this restriction on = voting=20 separately by class or series shall not apply:

(i) To any provision which would authorize the holders of = preferred=20 stock, voting as a class or series, to elect some members of the = board of=20 directors, less than a majority thereof, in the event of default = in the=20 payment of dividends on any class or series of preferred = stock;

(ii) To any provision that would require the holders of = preferred=20 stock, voting as a class or series, to approve the merger or = consolidation=20 of the association with another corporation or the sale, lease, or = conveyance (other than by mortgage or pledge) of properties or = business in=20 exchange for securities of a corporation other than the = association if the=20 preferred stock is exchanged for securities of such other = corporation:=20 Provided, That no provision may require such approval for=20 transactions undertaken with the assistance or pursuant to the = direction=20 of the Office or the Federal Deposit Insurance Corporation;

(iii) To any amendment which would adversely change the = specific terms=20 of any class or series of capital stock as set forth in this = Section 5 (or=20 in any supplementary sections hereto), including any amendment = which would=20 create or enlarge any class or series ranking prior thereto in = rights and=20 preferences. An amendment which increases the number of authorized = shares=20 of any class or series of capital stock, or substitutes the = surviving=20 association in a merger or consolidation for the association, = shall not be=20 considered to be such an adverse change.

A description of the different classes and series (if any) of = the=20 association's capital stock and a statement of the designations, = and the=20 relative rights, preferences, and limitations of the shares of = each class=20 of and series (if any) of capital stock are as follows:

A. Common stock. Except as provided in this Section 5 = (or in any=20 supplementary sections thereto) the holders of the common stock = shall=20 exclusively possess all voting power. Each holder of shares of the = common=20 stock shall be entitled to one vote for each share held by each = holder,=20 except as to the cumulation of votes for the election of = directors, unless=20 the charter otherwise provides that there shall be no such = cumulative=20 voting.

Whenever there shall have been paid, or declared and set aside = for=20 payment, to the holders of the outstanding shares of any class of = stock=20 having preference over the common stock as to the payment of = dividends,=20 the full amount of dividends and of sinking fund, retirement fund, = or=20 other retirement payments, if any, to which such holders are = respectively=20 entitled in preference to the common stock, then dividends may be = paid on=20 the common stock and on any class or series of stock entitled to=20 participate therewith as to dividends out of any assets legally = available=20 for the payment of dividends.

In the event of any liquidation, dissolution, or winding up of = the=20 association, the holders of the common stock (and the holders of = any class=20 or series of stock entitled to participate with the common stock = in the=20 distribution of assets) shall be entitled to receive, in cash or = in kind,=20 the assets of the association available for distribution remaining = after:=20 (i) Payment or provision for payment of the association's debts = and=20 liabilities; (ii) distributions or provision for distributions in=20 settlement of its liquidation account; and (iii) distributions or=20 provision for distributions to holders of any class or series of = stock=20 having preference over the common stock in the liquidation, = dissolution,=20 or winding up of the association. Each share of common stock shall = have=20 the same relative rights as and be identical in all respects with = all the=20 other shares of common stock.

B. Preferred stock. The association may provide in = supplementary=20 sections to its charter for one or more classes of preferred = stock, which=20 shall be separately identified. The shares of any class may be = divided=20 into and issued in series, with each series separately designated = so as to=20 distinguish the shares thereof from the shares of all other series = and=20 classes. The terms of each series shall be set forth in a = supplementary=20 section to the charter. All shares of the same class shall be = identical=20 except as to the following relative rights and preferences, as to = which=20 there may be variations between different series:

(a) The distinctive serial designation and the number of shares = constituting such series;

(b) The dividend rate or the amount of dividends to be paid on = the=20 shares of such series, whether dividends shall be cumulative and, = if so,=20 from which date(s), the payment date(s) for dividends, and the=20 participating or other special rights, if any, with respect to=20 dividends;

(c) The voting powers, full or limited, if any, of shares of = such=20 series;

(d) Whether the shares of such series shall be redeemable and, = if so,=20 the price(s) at which, and the terms and conditions on which, such = shares=20 may be redeemed;

(e) The amount(s) payable upon the shares of such series in the = event=20 of voluntary or involuntary liquidation, dissolution, or winding = up of the=20 association;

(f) Whether the shares of such series shall be entitled to the = benefit=20 of a sinking or retirement fund to be applied to the purchase or=20 redemption of such shares, and if so entitled, the amount of such = fund and=20 the manner of its application, including the price(s) at which = such shares=20 may be redeemed or purchased through the application of such = fund;

(g) Whether the shares of such series shall be convertible = into, or=20 exchangeable for, shares of any other class or classes of stock of = the=20 association and, if so, the conversion price(s) or the rate(s) of=20 exchange, and the adjustments thereof, if any, at which such = conversion or=20 exchange may be made, and any other terms and conditions of such=20 conversion or exchange.

(h) The price or other consideration for which the shares of = such=20 series shall be issued; and

(i) Whether the shares of such series which are redeemed or = converted=20 shall have the status of authorized but unissued shares of serial=20 preferred stock and whether such shares may be reissued as shares = of the=20 same or any other series of serial preferred stock.

Each share of each series of serial preferred stock shall have = the same=20 relative rights as and be identical in all respects with all the = other=20 shares of the same series.

The board of directors shall have authority to divide, by the = adoption=20 of supplementary charter sections, any authorized class of = preferred stock=20 into series, and, within the limitations set forth in this section = and the=20 remainder of this charter, fix and determine the relative rights = and=20 preferences of the shares of any series so established.

Prior to the issuance of any preferred shares of a series = established=20 by a supplementary charter section adopted by the board of = directors, the=20 association shall file with the Secretary to the Office a dated = copy of=20 that supplementary section of this charter established and = designating the=20 series and fixing and determining the relative rights and = preferences=20 thereof.

(5) Limitations on subsequent issuances. A Federal stock = association may amend its charter to require shareholder approval = of the=20 issuance or reservation of common stock or securities convertible = into=20 common stock under circumstances which would require shareholder = approval=20 under the rules of the New York or American Stock Exchange if the = shares=20 were then listed on the New York or American Stock Exchange.

(6) Cumulative voting. A Federal stock association may = amend its=20 charter by substituting the following sentence for the second = sentence in=20 the third paragraph of Section 5: =93Each holder of shares of = common stock=20 shall be entitled to one vote for each share held by such holder = and there=20 shall be no right to cumulate votes in an election of = directors.=94

(7) [Reserved]

(8) Anti-takeover provisions following mutual to stock = conversion.=20 Notwithstanding the law of the state in which the association = is=20 located, a Federal stock association may amend its charter by = renumbering=20 existing sections as appropriate and adding a new section 8 as=20 follows:

Section 8. Certain Provisions Applicable for Five Years.=20 Notwithstanding anything contained in the Association's = charter or=20 bylaws to the contrary, for a period of [specify number of years = up to=20 five] years from the date of completion of the conversion of the=20 Association from mutual to stock form, the following provisions = shall=20 apply:

A. Beneficial Ownership Limitation. No person shall = directly or=20 indirectly offer to acquire or acquire the beneficial ownership of = more=20 than 10 percent of any class of an equity security of the = association.=20 This limitation shall not apply to a transaction in which the = association=20 forms a holding company without change in the respective = beneficial=20 ownership interests of its stockholders other than pursuant to the = exercise of any dissenter and appraisal rights, the purchase of = shares by=20 underwriters in connection with a public offering, or the purchase = of=20 shares by a tax-qualified employee stock benefit plan which is = exempt from=20 the approval requirements under =A7574.3(c)(1)(vi) of the Office's = regulations.

In the event shares are acquired in violation of this section = 8, all=20 shares beneficially owned by any person in excess of 10% shall be=20 considered =93excess shares=94 and shall not be counted as shares = entitled to=20 vote and shall not be voted by any person or counted as voting = shares in=20 connection with any matters submitted to the stockholders for a = vote.

For purposes of this section 8, the following definitions = apply:

(1) The term =93person=94 includes an individual, a group = acting in=20 concert, a corporation, a partnership, an association, a joint = stock=20 company, a trust, an unincorporated organization or similar = company, a=20 syndicate or any other group formed for the purpose of acquiring, = holding=20 or disposing of the equity securities of the association.

(2) The term =93offer=94 includes every offer to buy or = otherwise acquire,=20 solicitation of an offer to sell, tender offer for, or request or=20 invitation for tenders of, a security or interest in a security = for=20 value.

(3) The term =93acquire=94 includes every type of acquisition, = whether=20 effected by purchase, exchange, operation of law or otherwise.

(4) The term =93acting in concert=94 means (a) knowing = participation in a=20 joint activity or conscious parallel action towards a common goal = whether=20 or not pursuant to an express agreement, or (b) a combination or = pooling=20 of voting or other interests in the securities of an issuer for a = common=20 purpose pursuant to any contract, understanding, relationship, = agreement=20 or other arrangements, whether written or otherwise.

B. Cumulative Voting Limitation. Stockholders shall not = be=20 permitted to cumulate their votes for election of directors.

C. Call for Special Meetings. Special meetings of = stockholders=20 relating to changes in control of the association or amendments to = its=20 charter shall be called only upon direction of the board of=20 directors.

(c) Anti-takeover provisions. The Office may grant = approval to a=20 charter amendment not listed in paragraph (b) of this section = regarding=20 the acquisition by any person or persons of its equity securities = provided=20 that the association shall file as part of its application for = approval an=20 opinion, acceptable to the OTS, of counsel independent from the=20 association that the proposed charter provision would be permitted = to be=20 adopted by a corporation chartered by the state in which the = principal=20 office of the association is located. Any such provision must be=20 consistent with applicable statutes, regulations, and OTS = policies.=20 Further, any such provision that would have the effect of = rendering more=20 difficult a change in control of the association and would require = for any=20 corporate action (other than the removal of directors) the = affirmative=20 vote of a larger percentage of shareholders than is required by = this Part,=20 shall not be effective unless adopted by a percentage of = shareholder vote=20 at least equal to the highest percentage that would be required to = take=20 any action under such provision.

(d) Reissuance of charter. A Federal stock association = that has=20 amended its charter may apply to have its charter, including the=20 amendments, reissued by the Office. Such requests for reissuance = should be=20 filed with the Corporate Secretary at Washington Headquarters = Office at=20 the address listed in =A7516.40(b) of this chapter, and contain = signatures=20 required under =A7552.3 of this part, together with such = supporting=20 documents as needed to demonstrate that the amendments were = properly=20 adopted.

[54 FR 49523, Nov. 30, 1989, as amended at 55 FR 13513, Apr. = 11, 1990;=20 57 FR 14343, Apr. 20, 1992; 59 FR 18476, Apr. 19, 1994; 61 FR = 64018, Dec.=20 3, 1996; 62 FR 66262, Dec. 18, 1997; 66 FR 13006, Mar. 2, 2001; 69 = FR=20 68249, Nov. 24, 2004]

=A7 552.5   Bylaws.
=20 top

(a) General. At its first organizational meeting, the = board of=20 directors of a Federal stock association shall adopt a set of = bylaws for=20 the administration and regulation of its affairs. Bylaws may be = adopted,=20 amended or repealed by either a majority of the votes cast by the=20 shareholders at a legal meeting or a majority of the board of = directors.=20 The bylaws shall contain sufficient provisions to govern the = association=20 in accordance with the requirements of =A7=A7552.6, 552.6=961, = 552.6=962, and=20 552.6=963 of this part and shall not contain any provision that is = inconsistent with those sections or with applicable laws, rules,=20 regulations or the association's charter, except that a bylaw = provision=20 inconsistent with =A7=A7552.6, 552.6=961, 552.6=963, and 552.6=964 = of this part may=20 be adopted with the approval of the OTS.

(b) Form of Filing =97(1) Application requirement. = (i) Any=20 bylaw amendment shall be submitted to the OTS for approval if it=20 would:

(A) Render more difficult or discourage a merger, tender offer, = or=20 proxy contest, the assumption of control by a holder of a large = block of=20 the association's stock, or the removal of incumbent management; = or

(B) Be inconsistent with =A7=A7552.6, 552.6=961, 552.6=962, and = 552.6=963 of this=20 part, with applicable laws, rules, regulations or the = association's=20 charter or involve a significant issue of law or policy, including = indemnification, conflicts of interest, and limitations on = director or=20 officer liability.

(ii) Applications submitted under paragraph (b)(1)(i) of this = section=20 are subject to standard treatment processing procedures at part = 516,=20 subparts A and E of this chapter.

(iii) Bylaw provisions that adopt the language of the model or = optional=20 bylaws in OTS's Application Processing Handbook, if adopted = without=20 change, and filed with OTS within 30 days after adoption, are = effective=20 upon adoption.

(2) Filing requirement. If the proposed bylaw amendment = does not=20 involve a provision that would be covered by paragraph (b)(1) or = (b)(3) of=20 this section and is permissible under all applicable laws, rules, = or=20 regulations, then the association shall submit the amendment to = the OTS at=20 least 30 days prior to the date the bylaw amendment is to be = adopted by=20 the association.

(3) Corporate governance procedures. A Federal stock = association=20 may elect to follow the corporate governance procedures of: The = laws of=20 the state where the main office of the association is located; the = laws of=20 the state where the association's holding company, if any, is = incorporated=20 or chartered; Delaware General Corporation law; or The Model = Business=20 Corporation Act, provided that such procedures may be elected to = the=20 extent not inconsistent with applicable Federal statutes and = regulations=20 and safety and soundness, and such procedures are not of the type=20 described in paragraph (b)(1) of this section. If this election is = selected, a Federal stock association shall designate in its = bylaws the=20 provision or provisions from the body or bodies of law selected = for its=20 corporate governance procedures, and shall file a copy of such = bylaws,=20 which are effective upon adoption, within 30 days after adoption. = The=20 submission shall indicate, where not obvious, why the bylaw = provisions=20 meet the requirements stated in paragraph (b)(1) of this = section.

(c) Effectiveness. Any bylaw amendment filed pursuant to = paragraph (b)(2) of this section shall automatically be effective = 30 days=20 from the date of filing of such amendment, provided that the = association=20 follows the requirements of its charter and bylaws in adopting = such=20 amendment, unless prior to the expiration of such 30-day period = the OTS=20 notifies the association that such amendment is rejected or that = such=20 amendment requires an application to be filed pursuant to = paragraph (b)(1)=20 of this section.

(d) Effect of subsequent charter or bylaw change.=20 Notwithstanding any subsequent change to its charter or = bylaws, the=20 authority of a Federal stock association to engage in any = transaction=20 shall be determined only by the association's charter or bylaws = then in=20 effect, unless otherwise provided by Federal law or = regulation.

[57 FR 14343, Apr. 20, 1992, as amended at 60 FR 66718, Dec. = 26, 1995;=20 61 FR 64019, Dec. 3, 1996; 66 FR 13006, Mar. 2, 2001; 66 FR 15020, = Mar.=20 15, 2001]

=A7 552.6   Shareholders.
=20 top

(a) Shareholder meetings. An annual meeting of the = shareholders=20 of the association for the election of directors and for the = transaction=20 of any other business of the association shall be held annually = within 150=20 days after the end of the association's fiscal year. Unless = otherwise=20 provided in the association's charter, special meetings of the=20 shareholders may be called by the board of directors or on the = request of=20 the holders of 10 percent or more of the shares entitled to vote = at the=20 meeting, or by such other persons as may be specified in the = bylaws of the=20 association. All annual and special meetings of shareholders shall = be held=20 at such place as the board of directors may determine in the state = in=20 which the association has its principal place of business, or at = any other=20 convenient place the board of directors may designate.

(b) Notice of shareholder meetings. Written notice = stating the=20 place, day, and hour of the meeting and the purpose or purposes = for which=20 the meeting is called shall be delivered not fewer than 20 nor = more than=20 50 days before the date of the meeting, either personally or by = mail, by=20 or at the direction of the chairman of the board, the president, = the=20 secretary, or the directors, or other persons calling the meeting, = to each=20 shareholder of record entitled to vote at such meeting. If mailed, = such=20 notice shall be deemed to be delivered when deposited in the mail, = addressed to the shareholder at the address appearing on the stock = transfer books or records of the association as of the record date = prescribed in paragraph (c) of this section, with postage thereon = prepaid.=20 When any shareholders' meeting, either annual or special, is = adjourned for=20 30 days or more, notice of the adjourned meeting shall be given as = in the=20 case of an original meeting. Notwithstanding anything in this = section,=20 however, a Federal stock association that is wholly owned shall = not be=20 subject to the shareholder notice requirement.

(c) Fixing of record date. For the purpose of = determining=20 shareholders entitled to notice of or to vote at any meeting of=20 shareholders or any adjournment thereof, or shareholders entitled = to=20 receive payment of any dividend, or in order to make a = determination of=20 shareholders for any other proper purpose, the board of directors = shall=20 fix in advance a date as the record date for any such = determination of=20 shareholders. Such date in any case shall be not more than 60 days = and, in=20 case of a meeting of shareholders, not less than 10 days prior to = the date=20 on which the particular action, requiring such determination of=20 shareholders, is to be taken. When a determination of shareholders = entitled to vote at any meeting of shareholders has been made as = provided=20 in this section, such determination shall apply to any adjournment = thereof.

(d) Voting lists. (1) At least 20 days before each = meeting of=20 the shareholders, the officer or agent having charge of the stock = transfer=20 books for the shares of the association shall make a complete list = of the=20 stockholders of record entitled to vote at such meeting, or any=20 adjournments thereof, arranged in alphabetical order, with the = address and=20 the number of shares held by each. This list of shareholders shall = be kept=20 on file at the home office of the association and shall be subject = to=20 inspection by any shareholder of record or the stockholder's agent = during=20 the entire time of the meeting. The original stock transfer book = shall=20 constitute prima facie evidence of the stockholders = entitled to=20 examine such list or transfer books or to vote at any meeting of=20 stockholders. Notwithstanding anything in this section, however, a = Federal=20 stock association that is wholly owned shall not be subject to the = voting=20 list requirements.

(2) In lieu of making the shareholders list available for = inspection by=20 any shareholders as provided in paragraph (d)(1) of this section, = the=20 board of directors may perform such acts as required by paragraphs = (a) and=20 (b) of Rule 14a=967 of the General Rules and Regulations under the = Securities and Exchange Act of 1934 (17 CFR 240.14a=967) as may be = duly=20 requested in writing, with respect to any matter which may be = properly=20 considered at a meeting of shareholders, by any shareholder who is = entitled to vote on such matter and who shall defray the = reasonable=20 expenses to be incurred by the association in performance of the = act or=20 acts required.

(e) Shareholder quorum. A majority of the outstanding = shares of=20 the association entitled to vote, represented in person or by = proxy, shall=20 constitute a quorum at a meeting of shareholders. The shareholders = present=20 at a duly organized meeting may continue to transact business = until=20 adjournment, notwithstanding the withdrawal of enough shareholders = to=20 leave less than a quorum. If a quorum is present, the affirmative = vote of=20 the majority of the shares represented at the meeting and entitled = to vote=20 on the subject matter shall be the act of the stockholders, unless = the=20 vote of a greater number of stockholders voting together or voting = by=20 classes is required by law or the charter. Directors, however, are = elected=20 by a plurality of the votes cast at an election of directors.

(f) Shareholder voting=97 (1) Proxies. Unless = otherwise=20 provided in the association's charter, at all meetings of = shareholders, a=20 shareholder may vote in person or by proxy executed in writing by = the=20 shareholder or by a duly authorized attorney in fact. Proxies may = be given=20 telephonically or electronically as long as the holder uses a = procedure=20 for verifying the identity of the shareholder. A proxy may = designate as=20 holder a corporation, partnership or company as defined in Part = 574 of=20 this chapter, or other person. Proxies solicited on behalf of the=20 management shall be voted as directed by the shareholder or, in = the=20 absence of such direction, as determined by a majority of the = board of=20 directors. No proxy shall be valid more than eleven months from = the date=20 of its execution except for a proxy coupled with an interest.

(2) Shares controlled by association. Neither treasury = shares of=20 its own stock held by the association nor shares held by another=20 corporation, if a majority of the shares entitled to vote for the = election=20 of directors of such other corporation are held by the = association, shall=20 be voted at any meeting or counted in determining the total number = of=20 outstanding shares at any given time for purposes of any = meeting.

(g) Nominations and new business submitted by shareholders.=20 Nominations for directors and new business submitted by = shareholders=20 shall be voted upon at the annual meeting if such nominations or = new=20 business are submitted in writing and delivered to the secretary = of the=20 association at least five days prior to the date of the annual = meeting.=20 Ballots bearing the names of all the persons nominated shall be = provided=20 for use at the annual meeting.

(h) Informal action by stockholders. If the bylaws of = the=20 association so provide, any action required to be taken at a = meeting of=20 the stockholders, or any other action that may be taken at a = meeting of=20 the stockholders, may be taken without a meeting if consent in = writing has=20 been given by all the stockholders entitled to vote with respect = to the=20 subject matter.

[54 FR 49523, Nov. 30, 1989, as amended at 59 FR 18476, Apr. = 19, 1994;=20 61 FR 64019, Dec. 3, 1996]

=A7 552.6-1   Board of = directors.
=20 top

(a) General powers and duties. The business and affairs = of the=20 association shall be under the direction of its board of = directors. The=20 board of directors shall annually elect a chairman of the board = from among=20 its members and shall designate the chairman of the board, when = present,=20 to preside at its meeting. Directors need not be stockholders = unless the=20 bylaws so require.

(b) Number and term. The bylaws shall set forth a = specific=20 number of directors, not a range. The number of directors shall be = not=20 fewer than five nor more than fifteen, unless a higher or lower = number has=20 been authorized by the Director of the Office or his or her = delegate.=20 Directors shall be elected for a term of one to three years and = until=20 their successors are elected and qualified. If a staggered board = is=20 chosen, the directors shall be divided into two or three classes = as nearly=20 equal in number as possible and one class shall be elected by = ballot=20 annually. In the case of a converting or newly chartered = association where=20 all directors shall be elected at the first election of directors, = if a=20 staggered board is chosen, the terms shall be staggered in length = from one=20 to three years.

(c) Regular meetings. A regular meeting of the board of=20 directors shall be held immediately after, and at the same place = as, the=20 annual meeting of shareholders. The board of directors shall = determine the=20 place, frequency, time and procedure for notice of regular = meetings.

(d) Quorum. A majority of the number of directors shall=20 constitute a quorum for the transaction of business at any meeting = of the=20 board of directors. The act of the majority of the directors = present at a=20 meeting at which a quorum is present shall be the act of the board = of=20 directors, unless a greater number is prescribed by regulation of = the=20 Office.

(e) Vacancies. Any vacancy occurring in the board of = directors=20 may be filled by the affirmative vote of a majority of the = remaining=20 directors although less than a quorum of the board of directors. A = director elected to fill a vacancy shall be elected to serve only = until=20 the next election of directors by the shareholders. Any = directorship to be=20 filled by reason of an increase in the number of directors may be = filled=20 by election by the board of directors for a term of office = continuing only=20 until the next election of directors by the shareholders.

(f) Removal or resignation of directors. (1) At a = meeting of=20 shareholders called expressly for that purpose, any director may = be=20 removed only for cause, as defined in =A7563.39 of this chapter, = by a vote=20 of the holders of a majority of the shares then entitled to vote = at an=20 election of directors. Associations may provide for procedures = regarding=20 resignations in the bylaws.

(2) If less than the entire board is to be removed, no one of = the=20 directors may be removed if the votes cast against the removal = would be=20 sufficient to elect a director if then cumulatively voted at an = election=20 of the class of directors of which such director is a part.

(3) Whenever the holders of the shares of any class are = entitled to=20 elect one or more directors by the provisions of the charter or=20 supplemental sections thereto, the provisions of this section = shall apply,=20 in respect to the removal of a director or directors so elected, = to the=20 vote of the holders of the outstanding shares of that class and = not to the=20 vote of the outstanding shares as a whole.

(g) Executive and other committees. The board of = directors, by=20 resolution adopted by a majority of the full board, may designate = from=20 among its members an executive committee and one or more other = committees=20 each of which, to the extent provided in the resolution or bylaws = of the=20 association, shall have and may exercise all of the authority of = the board=20 of directors, except no committee shall have the authority of the = board of=20 directors with reference to: the declaration of dividends; the = amendment=20 of the charter or bylaws of the association; recommending to the=20 stockholders a plan of merger, consolidation, or conversion; the = sale,=20 lease, or other disposition of all, or substantially all, of the = property=20 and assets of the association otherwise than in the usual and = regular=20 course of its business; a voluntary dissolution of the = association; a=20 revocation of any of the foregoing; or the approval of a = transaction in=20 which any member of the executive committee, directly or = indirectly, has=20 any material beneficial interest. The designation of any committee = and the=20 delegation of authority thereto shall not operate to relieve the = board of=20 directors, or any director, of any responsibility imposed by law = or=20 regulation.

(h) Notice of special meetings. Written notice of at = least 24=20 hours regarding any special meeting of the board of directors or = of any=20 committee designated thereby shall be given to each director in = accordance=20 with the bylaws, although such notice may be waived by the = director. The=20 attendance of a director at a meeting shall constitute a waiver of = notice=20 of such meeting, except where a director attends a meeting for the = express=20 purpose of objecting to the transaction of any business because = the=20 meeting is not lawfully called or convened. Neither the business = to be=20 transacted at, nor the purpose of, any meeting need be specified = in the=20 notice or waiver of notice of such meeting. The bylaws may provide = for=20 telephonic participation at a meeting.

(i) Action without a meeting. Any action required or = permitted=20 to be taken by the board of directors at a meeting may be taken = without a=20 meeting if a consent in writing, setting forth the actions so = taken, shall=20 be signed by all of the directors.

(j) Presumption of assent. A director of the association = who is=20 present at a meeting of the board of directors at which action on = any=20 association matter is taken shall be presumed to have assented to = the=20 action taken unless his or her dissent or abstention shall be = entered in=20 the minutes of the meeting or unless a written dissent to such = action=20 shall be filed with the person acting as the secretary of the = meeting=20 before the adjournment thereof or shall be forwarded by registered = mail to=20 the secretary of the association within five days after the date = on which=20 a copy of the minutes of the meeting is received. Such right to = dissent=20 shall not apply to a director who voted in favor of such = action.

(k) Age limitation on directors. A Federal association = may=20 provide a bylaw on age limitation for directors. Bylaws on age = limitations=20 must comply with all Federal laws, rules and regulations.

[54 FR 49523, Nov. 30, 1989, as amended at 58 FR 4312, Jan. 14, = 1993;=20 61 FR 64020, Dec. 3, 1996; 62 FR 66262, Dec. 18, 1997]

=A7 552.6-2   Officers.
=20 top

(a) Positions. The officers of the association shall be = a=20 president, one or more vice presidents, a secretary, and a = treasurer or=20 comptroller, each of whom shall be elected by the board of = directors. The=20 board of directors may also designate the chairman of the board as = an=20 officer. The offices of the secretary and treasurer or comptroller = may be=20 held by the same person and the vice president may also be either = the=20 secretary or the treasurer or comptroller. The board of directors = may=20 designate one or more vice presidents as executive vice president = or=20 senior vice president. The board of directors may also elect or = authorize=20 the appointment of such other officers as the business of the = association=20 may require. The officers shall have such authority and perform = such=20 duties as the board of directors may from time to time authorize = or=20 determine. In the absence of action by the board of directors, the = officers shall have such powers and duties as generally pertain to = their=20 respective offices.

(b) Removal. Any officer may be removed by the board of=20 directors whenever in its judgment the best interests of the = association=20 will be served thereby; but such removal, other than for cause, = shall be=20 without prejudice to the contractual rights, if any, of the person = so=20 removed. Employment contracts shall conform with =A7563.39 of this = chapter.

(c) Age limitation on officers. A Federal association = may=20 provide a bylaw on age limitation for officers. Bylaws on age = limitations=20 must comply with all Federal laws, rules, and regulations.

[54 FR 49523, Nov. 30, 1989, as amended at 56 FR 59866, Nov. = 26, 1991;=20 60 FR 66869, Dec. 27, 1995; 61 FR 64020, Dec. 3, 1996]

=A7 552.6-3   Certificates for shares and = their=20 transfer.
=20 top

(a) Certificates for shares. Certificates representing = shares of=20 capital stock of the association shall be in such form as shall be = determined by the board of directors and approved by the OTS. The=20 certificates shall be signed by the chief executive officer or by = any=20 other officer of the association authorized by the board of = directors,=20 attested by the secretary or an assistant secretary, and sealed = with the=20 corporate seal or a facsimile thereof. The signatures of such = officers=20 upon a certificate may be facsimiles if the certificate is = manually signed=20 on behalf of a transfer agent or a registrar other than the = association=20 itself or one of its employees. Each certificate for shares of = capital=20 stock shall be consecutively numbered or otherwise identified. The = name=20 and address of the person to whom the shares are issued, with the = number=20 of shares and date of issue, shall be entered on the stock = transfer books=20 of the association. All certificates surrendered to the = association for=20 transfer shall be cancelled and no new certificate shall be issued = until=20 the former certificate for a like number of shares shall have been = surrendered and cancelled, except that in the case of a lost or = destroyed=20 certificate a new certificate may be issued upon such terms and = indemnity=20 to the association as the board of directors may prescribe.

(b) Transfer of shares. Transfer of shares of capital = stock of=20 the association shall be made only on its stock transfer books. = Authority=20 for such transfer shall be given only by the holder of record or = by a=20 legal representative, who shall furnish proper evidence of such = authority,=20 or by an attorney authorized by a duly executed power of attorney = and=20 filed with the association. The transfer shall be made only on = surrender=20 for cancellation of the certificate for the shares. The person in = whose=20 name shares of capital stock stand on the books of the association = shall=20 be deemed by the association to be the owner for all purposes.

[54 FR 49523, Nov. 30, 1989, as amended at 55 FR 13514, Apr. = 11, 1990;=20 57 FR 14343, Apr. 20, 1992]

=A7 552.6-4   [Reserved]
=20 top
=A7 552.9   [Reserved]
=20 top
=A7 552.10   Annual reports to=20 stockholders.
=20 top

A Federal stock association not wholly-owned by a holding = company=20 shall, within 130 days after the end of its fiscal year, mail to = each of=20 its stockholders entitled to vote at its annual meeting an annual = report=20 containing financial statements that satisfy the requirements of = rule=20 14a=963 under the Securities Exchange Act of 1934. (17 CFR = 240.14a=963).=20 Concurrently with such mailing a certification of such mailing = signed by=20 the chairman of the board, the president or a vice president of = the=20 association, together with copies of the report, shall be = transmitted by=20 the association to the OTS.

[57 FR 14343, Apr. 20, 1992, as amended at 62 FR 66262, Dec. = 18,=20 1997]

=A7 552.11   Books and records.
=20 top

(a) Each Federal stock association shall keep correct and = complete=20 books and records of account; shall keep minutes of the = proceedings of its=20 stockholders, board of directors, and committees of directors; and = shall=20 keep at its home office or at the office of its transfer agent or=20 registrar, a record of its stockholders, giving the names and = addresses of=20 all stockholders, and the number, class and series, if any, of the = shares=20 held by each.

(b) Any stockholder or group of stockholders of a Federal stock = association, holding of record the number of voting shares of such = association specified below, upon making written demand stating a = proper=20 purpose, shall have the right to examine, in person or by agent or = attorney, at any reasonable time or times, nonconfidential = portions of its=20 books and records of account, minutes and record of stockholders = and to=20 make extracts therefrom. Such right of examination is limited to a = stockholder or group of stockholders holding of record:

(1) Voting shares having a cost of not less than $100,000 or=20 constituting not less than one percent of the total outstanding = voting=20 shares, provided in either case such stockholder or group of = stockholders=20 have held of record such voting shares for a period of at least = six months=20 before making such written demand, or

(2) Not less than five percent of the total outstanding voting=20 shares.

No stockholder or group of stockholders of a Federal stock = association=20 shall have any other right under this section or common law to = examine its=20 books and records of account, minutes and record of stockholders, = except=20 as provided in its bylaws with respect to inspection of a list of=20 stockholders.

(c) The right to examination authorized by paragraph (b) of = this=20 section and the right to inspect the list of stockholders provided = by a=20 Federal stock association's bylaws may be denied to any = stockholder or=20 group of stockholders upon the refusal of any such stockholder or = group of=20 stockholders to furnish such association, its transfer agent or = registrar=20 an affidavit that such examination or inspection is not desired = for any=20 purpose which is in the interest of a business or object other = than the=20 business of the association, that such stockholder has not within = the five=20 years preceding the date of the affidavit sold or offered for = sale, and=20 does not now intend to sell or offer for sale, any list of = stockholders of=20 the association or of any other corporation, and that such = stockholder has=20 not within said five-year period aided or abetted any other person = in=20 procuring any list of stockholders for purposes of selling or = offering for=20 sale such list.

(d) Notwithstanding any provision of this section or common = law, no=20 stockholder or group of stockholders shall have the right to = obtain,=20 inspect or copy any portion of any books or records of a Federal = stock=20 association containing:

(1) A list of depositors in or borrowers from such = association;

(2) Their addresses;

(3) Individual deposit or loan balances or records; or

(4) Any data from which such information could be reasonably=20 constructed.

[54 FR 49523, Nov. 30, 1989, as amended at 61 FR 64020, Dec. 3, = 1996]

=A7 552.12   [Reserved]
=20 top
=A7 552.13   Combinations involving = Federal stock=20 associations.
=20 top

(a) Scope and authority. Federal stock associations may = enter=20 into combinations only in accordance with the provisions of this = section,=20 section 18(c) of the Federal Deposit Insurance Act, sections = 5(d)(3)(A)=20 and 10(s) of the Home Owners' Loan Act, and =A7563.22 of this = part.

(b) Definitions. The following definitions apply to = =A7=A7552.13 and=20 552.14 of this part:

(1) Combination. A merger or consolidation with another=20 depository institution, or an acquisition of all or substantially = all of=20 the assets or assumption of all or substantially all of the = liabilities of=20 a depository institution by another depository institution. = Combine=20 means to be a constituent institution in a combination.

(2) Consolidation. Fusion of two or more depository = institutions=20 into a newly-created depository institution.

(3) Constituent institution. Resulting, disappearing, = acquiring,=20 or transferring depository institution in a combination.

(4) Depository institution means any commercial bank = (including=20 a private bank), a savings bank, a trust company, a savings and = loan=20 association, a building and loan association, a homestead = association, a=20 cooperative bank, an industrial bank or a credit union, chartered = in the=20 United States and having its principal office located in the = United=20 States.

(5) Disappearing institution. A depository institution = whose=20 corporate existence does not continue after a combination.

(6) Merger. Uniting two or more depository institutions = by the=20 transfer of all property rights and franchises to the resulting = depository=20 institution, which retains its corporate identity.

(7) Mutual savings association. Any savings association=20 organized in a form not requiring non-withdrawable stock under = Federal or=20 State law.

(8) Resulting institution. The depository institution = whose=20 corporate existence continues after a combination.

(9) Savings association has the same meaning as defined = in=20 =A7561.43 of this chapter.

(10) State. Includes the District of Columbia, = Commonwealth of=20 Puerto Rico, and States, territories, and possessions of the = United=20 States.

(11) Stock association. Any savings association = organized in a=20 form requiring non-withdrawable stock.

(c) Forms of combination. A Federal stock association = may=20 combine with any depository institution, provided that:

(1) The combination is in compliance with, and receives all = approvals=20 required under, any applicable statutes and regulations;

(2) Any resulting Federal savings association meets the = requirements=20 for Federal Home Loan Bank membership and insurance of = accounts;

(3) Any resulting Federal savings association conforms within = the time=20 prescribed by the OTS to the requirements of sections 5(c) and = 10(m) of=20 the Home Owners' Loan Act; and

(4) If any constituent savings association is a mutual savings=20 association, the resulting institution shall be mutually held, = unless:

(i) The transaction involves a supervisory merger;

(ii) The transaction is approved under part 563b of this = chapter;

(iii) The transaction involves an interim Federal stock = association or=20 an interim State stock savings association; or

(iv) The transaction involves a transfer in the context of a = mutual=20 holding company reorganization under section 10(o) of the Home = Owners'=20 Loan Act.

(d) Combinations. Prior written notification to, notice = to, or=20 prior written approval of, the Office pursuant to =A7563.22 of = this chapter=20 is required for every combination. In the case of applications and = notices=20 pursuant to =A7563.22 (a) or (c), the Office shall apply the = criteria set=20 out in =A7563.22 of this chapter and shall impose any conditions = it deems=20 necessary or appropriate to ensure compliance with those criteria = and the=20 requirements of this chapter.

(e) Approval of the board of directors. Before filing a = notice=20 or application for any combination involving a Federal stock = association,=20 the combination shall be approved:

(1) By a two-thirds vote of the entire board of each = constituent=20 Federal savings association; and

(2) As required by other applicable Federal or state law, for = other=20 constituent institutions.

(f) Combination agreement. All terms, conditions, = agreements or=20 understandings, or other provisions with respect to a combination=20 involving a Federal savings association shall be set forth fully = in a=20 written combination agreement. The combination agreement shall = state:

(1) That the combination shall not be effective unless and = until:

(i) The combination receives any necessary approval from the = Office=20 pursuant to =A7563.22 (a) or (c);

(ii) In the case of a transaction requiring a notification = pursuant to=20 =A7563.22(b), notification has been provided to the OTS; or

(iii) In the case of a transaction requiring a notice pursuant = to=20 =A7563.22(c), the notice has been filed, and the appropriate = period of time=20 has passed or the OTS has advised the parties that it will not = disapprove=20 the transaction;

(2) Which constituent institution is to be the resulting=20 institution;

(3) The name of the resulting institution;

(4) The location of the home office and any other offices of = the=20 resulting institution;

(5) The terms and conditions of the combination and the method = of=20 effectuation;

(6) Any charter amendments, or the new charter in the = combination;

(7) The basis upon which the savings accounts of the resulting=20 institution shall be issued;

(8) If a Federal association is the resulting institution, the = number,=20 names, residence addresses, and terms of directors;

(9) The effect upon and assumption of any liquidation account = of a=20 disappearing institution by the resulting institution; and

(10) Such other provisions, agreements, or understandings as = relate to=20 the combination.

(g) [Reserved]

(h) Approval by stockholders =97(1) General rule. = Except as=20 otherwise provided in this section, an affirmative vote of = two-thirds of=20 the outstanding voting stock of any constituent Federal savings=20 association shall be required for approval of the combination = agreement.=20 If any class of shares is entitled to vote as a class pursuant to = =A7552.4=20 of this part, an affirmative vote of a majority of the shares of = each=20 voting class and two-thirds of the total voting shares shall be = required.=20 The required vote shall be taken at a meeting of the savings=20 association.

(2) General exception. Stockholders of the resulting = Federal=20 stock association need not authorize a combination agreement = if:

(i) It does not involve an interim Federal savings association = or an=20 interim state savings association;

(ii) The association's charter is not changed;

(iii) Each share of stock outstanding immediately prior to the=20 effective date of the combination is to be an identical = outstanding share=20 or a treasury share of the resulting Federal stock association = after such=20 effective date; and

(iv) Either:

(A) No shares of voting stock of the resulting Federal stock=20 association and no securities convertible into such stock are to = be issued=20 or delivered under the plan of combination, or

(B) The authorized unissued shares or the treasury shares of = voting=20 stock of the resulting Federal stock association to be issued or = delivered=20 under the plan of combination, plus those initially issuable upon=20 conversion of any securities to be issued or delivered under such = plan, do=20 not exceed 15% of the total shares of voting stock of such = association=20 outstanding immediately prior to the effective date of the=20 combination.

(3) Exceptions for certain combinations involving an interim = association. Stockholders of a Federal stock association need = not=20 authorize by a two-thirds affirmative vote combinations involving = an=20 interim Federal savings association or interim state savings = association=20 when the resulting Federal stock association is acquired pursuant = to=20 =A7574.7(a)(2) of this chapter. In those cases, an affirmative = vote of 50=20 percent of the shares of the outstanding voting stock of the = Federal stock=20 association plus one affirmative vote shall be required. If any = class of=20 shares is entitled to vote as a class pursuant to =A7552.4 of this = part, an=20 affirmative vote of 50 percent of the shares of each voting class = plus one=20 affirmative vote shall be required. The required votes shall be = taken at a=20 meeting of the association.

(i) Disclosure. The OTS may require, in connection with = a=20 combination under this section, such disclosure of information as = the OTS=20 deems necessary or desirable for the protection of investors in = any of the=20 constituent associations.

(j) Articles of combination. (1) Following stockholder = approval=20 of any combination in which a Federal savings association is the = resulting=20 institution, articles of combination shall be executed in = duplicate by=20 each constituent institution, by its chief executive officer or = executive=20 vice president and by its secretary or an assistant secretary, and = verified by one of the officers of each institution signing such = articles,=20 and shall set forth:

(i) The plan of combination;

(ii) The number of shares outstanding in each depository = institution;=20 and

(iii) The number of shares in each depository institution voted = for and=20 against such plan.

(2) Both sets of articles of combination shall be filed with = the=20 Office. If the Office determines that such articles conform to the = requirements of this section, the Office shall endorse the = articles and=20 return one set to the resulting institution.

(k) Effective date. No combination under this section = shall be=20 effective until receipt of any approvals required by the Office. = The=20 effective date of a combination in which the resulting institution = is a=20 Federal stock association shall be the date of consummation of the = transaction or such other later date specified on the endorsement = of the=20 articles of combination by the Office. If a disappearing = institution=20 combining under this section is a Federal stock association, its = charter=20 shall be deemed to be cancelled as of the effective date of the=20 combination and such charter must be surrendered to the Office as = soon as=20 practicable after the effective date.

(l) Mergers and consolidations: transfer of assets and = liabilities=20 to the resulting institution. Upon the effective date of a = merger or=20 consolidation under this section, if the resulting institution is = a=20 Federal savings association, all assets and property (real, = personal and=20 mixed, tangible and intangible, choses in action, rights, and = credits)=20 then owned by each constituent institution or which would inure to = any of=20 them, shall, immediately by operation of law and without any = conveyance,=20 transfer, or further action, become the property of the resulting = Federal=20 savings association. The resulting Federal savings association = shall be=20 deemed to be a continuation of the entity of each constituent = institution,=20 the rights and obligations of which shall succeed to such rights = and=20 obligations and the duties and liabilities connected therewith, = subject to=20 the Home Owners' Loan Act and other applicable statutes.

[54 FR 49523, Nov. 30, 1989, as amended at 57 FR 14343, Apr. = 20, 1992;=20 59 FR 44623, Aug. 30, 1994; 71 FR 19811, Apr. 18, 2006]

=A7 552.14   Dissenter and appraisal=20 rights.
=20 top

(a) Right to demand payment of fair or appraised value. = Except=20 as provided in paragraph (b) of this section, any stockholder of a = Federal=20 stock association combining in accordance with =A7552.13 of this = part shall=20 have the right to demand payment of the fair or appraised value of = his=20 stock: Provided, That such stockholder has not voted in = favor of=20 the combination and complies with the provisions of paragraph (c) = of this=20 section.

(b) Exceptions. No stockholder required to accept only = qualified=20 consideration for his or her stock shall have the right under this = section=20 to demand payment of the stock's fair or appraised value, if such = stock=20 was listed on a national securities exchange or quoted on the = National=20 Association of Securities Dealers' Automated Quotation System = (=93NASDAQ=94)=20 on the date of the meeting at which the combination was acted upon = or=20 stockholder action is not required for a combination made pursuant = to=20 =A7552.13(h)(2) of this part. =93Qualified consideration=94 means = cash, shares=20 of stock of any association or corporation which at the effective = date of=20 the combination will be listed on a national securities exchange = or quoted=20 on NASDAQ, or any combination of such shares of stock and = cash.

(c) Procedure =97(1) Notice. Each constituent = Federal stock=20 association shall notify all stockholders entitled to rights under = this=20 section, not less than twenty days prior to the meeting at which = the=20 combination agreement is to be submitted for stockholder approval, = of the=20 right to demand payment of appraised value of shares, and shall = include in=20 such notice a copy of this section. Such written notice shall be = mailed to=20 stockholders of record and may be part of management's proxy = solicitation=20 for such meeting.

(2) Demand for appraisal and payment. Each stockholder = electing=20 to make a demand under this section shall deliver to the Federal = stock=20 association, before voting on the combination, a writing = identifying=20 himself or herself and stating his or her intention thereby to = demand=20 appraisal of and payment for his or her shares. Such demand must = be in=20 addition to and separate from any proxy or vote against the = combination by=20 the stockholder.

(3) Notification of effective date and written offer. = Within ten=20 days after the effective date of the combination, the resulting=20 association shall:

(i) Give written notice by mail to stockholders of constituent = Federal=20 stock associations who have complied with the provisions of = paragraph=20 (c)(2) of this section and have not voted in favor of the = combination, of=20 the effective date of the combination;

(ii) Make a written offer to each stockholder to pay for = dissenting=20 shares at a specified price deemed by the resulting association to = be the=20 fair value thereof; and

(iii) Inform them that, within sixty days of such date, the = respective=20 requirements of paragraphs (c)(5) and (c)(6) of this section (set = out in=20 the notice) must be satisfied.

The notice and offer shall be accompanied by a balance sheet = and=20 statement of income of the association the shares of which the = dissenting=20 stockholder holds, for a fiscal year ending not more than sixteen = months=20 before the date of notice and offer, together with the latest = available=20 interim financial statements.

(4) Acceptance of offer. If within sixty days of the = effective=20 date of the combination the fair value is agreed upon between the=20 resulting association and any stockholder who has complied with = the=20 provisions of paragraph (c)(2) of this section, payment therefor = shall be=20 made within ninety days of the effective date of the = combination.

(5) Petition to be filed if offer not accepted. If = within sixty=20 days of the effective date of the combination the resulting = association=20 and any stockholder who has complied with the provisions of = paragraph=20 (c)(2) of this section do not agree as to the fair value, then any = such=20 stockholder may file a petition with the Office, with a copy by = registered=20 or certified mail to the resulting association, demanding a = determination=20 of the fair market value of the stock of all such stockholders. A=20 stockholder entitled to file a petition under this section who = fails to=20 file such petition within sixty days of the effective date of the=20 combination shall be deemed to have accepted the terms offered = under the=20 combination.

(6) Stock certificates to be noted. Within sixty days of = the=20 effective date of the combination, each stockholder demanding = appraisal=20 and payment under this section shall submit to the transfer agent = his=20 certificates of stock for notation thereon that an appraisal and = payment=20 have been demanded with respect to such stock and that appraisal=20 proceedings are pending. Any stockholder who fails to submit his = or her=20 stock certificates for such notation shall no longer be entitled = to=20 appraisal rights under this section and shall be deemed to have = accepted=20 the terms offered under the combination.

(7) Withdrawal of demand. Notwithstanding the foregoing, = at any=20 time within sixty days after the effective date of the = combination, any=20 stockholder shall have the right to withdraw his or her demand for = appraisal and to accept the terms offered upon the = combination.

(8) Valuation and payment. The Director shall, as he or = she may=20 elect, either appoint one or more independent persons or direct=20 appropriate staff of the Office to appraise the shares to = determine their=20 fair market value, as of the effective date of the combination, = exclusive=20 of any element of value arising from the accomplishment or = expectation of=20 the combination. Appropriate staff of the Office shall review and = provide=20 an opinion on appraisals prepared by independent persons as to the = suitability of the appraisal methodology and the adequacy of the = analysis=20 and supportive data. The Director after consideration of the = appraisal=20 report and the advice of the appropriate staff shall, if he or she = concurs=20 in the valuation of the shares, direct payment by the resulting=20 association of the appraised fair market value of the shares, upon = surrender of the certificates representing such stock. Payment = shall be=20 made, together with interest from the effective date of the = combination,=20 at a rate deemed equitable by the Director.

(9) Costs and expenses. The costs and expenses of any = proceeding=20 under this section may be apportioned and assessed by the Director = as he=20 or she may deem equitable against all or some of the parties. In = making=20 this determination the Director shall consider whether any party = has acted=20 arbitrarily, vexatiously, or not in good faith in respect to the = rights=20 provided by this section.

(10) Voting and distribution. Any stockholder who has = demanded=20 appraisal rights as provided in paragraph (c)(2) of this section = shall=20 thereafter neither be entitled to vote such stock for any purpose = nor be=20 entitled to the payment of dividends or other distributions on the = stock=20 (except dividends or other distribution payable to, or a vote to = be taken=20 by stockholders of record at a date which is on or prior to, the = effective=20 date of the combination): Provided, That if any stockholder = becomes=20 unentitled to appraisal and payment of appraised value with = respect to=20 such stock and accepts or is deemed to have accepted the terms = offered=20 upon the combination, such stockholder shall thereupon be entitled = to vote=20 and receive the distributions described above.

(11) Status. Shares of the resulting association into = which=20 shares of the stockholders demanding appraisal rights would have = been=20 converted or exchanged, had they assented to the combination, = shall have=20 the status of authorized and unissued shares of the resulting=20 association.

=A7 552.15   Supervisory = combinations.
=20 top

Notwithstanding the foregoing provisions of this part, the = Director of=20 the Office may waive or deem inapplicable any provision of = =A7552.13 or=20 =A7552.14 of this part if he or she determines that grounds exist, = or may=20 imminently exist, for appointment of a conservator or receiver for = an=20 association under subsection 5(d) of the Home Owners' Loan = Act.

=A7 552.16   Effect of subsequent charter = or bylaw=20 change.
=20 top

Notwithstanding any subsequent change to its charter or bylaws, = the=20 authority of a Federal stock association to engage in any = transaction=20 shall be determined only by the association's charter or bylaws = then in=20 effect.

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For questions or comments = regarding e-CFR=20 editorial content, features, or design, email ecfr@nara.gov.

For = questions=20 concerning e-CFR programming and delivery issues, email webteam@gpo.gov.

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