This section does not apply to bank loans or to loans for which security is given. The attorney in fact of a domestic reciprocal insurer or another person may advance to the reciprocal insurer on reasonable terms any money that the reciprocal insurer requires periodically in its operations. The money advanced to a reciprocal insurer: may not be treated as a liability of the reciprocal insurer; and except on liquidation of the reciprocal insurer, may be withdrawn or repaid only out of the reciprocal insurer's realized earned surplus in excess of its minimum required surplus. A withdrawal or repayment may be made only with the previous approval of the Commissioner.