| (33) Shareholder--Has the meaning assigned by the Texas
Savings and Loan Act (Finance Code §61.002).
(34) Subsidiary--Any company that is controlled by
the savings association or by a company that is controlled by a company
which is controlled, directly or indirectly, by the savings association.
(35) Surplus--Has the meaning assigned by the Texas
Savings and Loan Act (Finance Code §61.002).
(36) Texas Savings and Loan Act--Finance Code Title
3, Subtitle B (Finance Code §61.001 et seq.).
(37) Unsafe and unsound practice--Has the meaning assigned
by the Texas Savings and Loan Act (Finance Code §61.002), and
includes excessive operating expenses, excessive growth, high-risk
or undiversified investment positions, and non-existent or poorly
followed lending or underwriting policies, procedures, or guidelines.
(38) Voting security--Includes any security convertible
into or evidencing a right to acquire a voting security.
(39) Withdrawal value--The net amount of money that
may be withdrawn by an account holder from a deposit account.
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