<?xml version='1.0' encoding='utf-8'?>
<section article="gfi" article_name="Financial Institutions" number="4-805.1" title_number="4" title_name="Banking Institutions -- Savings Banks" subtitle_number="8" subtitle_name="Mutual Holding Companies">
  <text>A mutual holding company is a mutual association and may not have any capital stock.</text>
</section>
