180                                          LAWS OF MARYLAND                          [Ch. 11

CHARTERED AND SUPERVISED AS A SAVINGS AND LOAN OR SIMILAR
INSTITUTION UNDER FEDERAL LAW OR THE LAWS OF A STATE OR A
FEDERAL CREDIT UNION OR A CREDIT UNION CHARTERED AND
SUPERVISED UNDER THE LAWS OF A STATE; A "DOMESTIC
FINANCIAL INSTITUTION" IS ONE CHARTERED AND SUPERVISED
UNDER THE LAWS OF THIS STATE OR A BANK CHARTERED AND
SUPERVISED UNDER FEDERAL LAW AND HAVING ITS PRINCIPAL
OFFICE IN THIS STATE; AN "INSURED FINANCIAL INSTITUTION"
IS ONE, DEPOSITS (INCLUDING A SAVINGS, SHARE,
CERTIFICATE, OR DEPOSIT ACCOUNT) IN WHICH ARE, IN WHOLE
OR IN PART, INSURED BY THE FEDERAL DEPOSIT INSURANCE
CORPORATION, THE FEDERAL SAVINGS AND LOAN INSURANCE
CORPORATION, THE MARYLAND SAVINGS-SHARE INSURANCE
CORPORATION OR A SIMILAR INSTITUTION ORGANIZED UNDER THE
LAWS OF ANOTHER STATE.

(H) GUARDIAN.

A "GUARDIAN" OF A MINOR MEANS THE GENERAL GUARDIAN,
GUARDIAN, TUTOR, OR CURATOR OF HIS PROPERTY OR ESTATE
APPOINTED OR QUALIFIED BY A COURT OF THIS STATE OR
ANOTHER STATE.

(I) ISSUER.

AN "ISSUER" IS A PERSON WHO PLACES OR AUTHORIZES THE
PLACING OF HIS NAME ON A SECURITY (OTHER THAN AS A
TRANSFER AGENT) TO EVIDENCE THAT IT REPRESENTS A SHARE,
PARTICIPATION OR OTHER INTEREST IN HIS PROPERTY OR IN AN
ENTERPRISE OR TO EVIDENCE BIS DUTY OR UNDERTAKING TO
PERFORM AN OBLIGATION EVIDENCED BY THE SECURITY, OR WHO
BECOMES RESPONSIBLE FOR OR IN PLACE OF ANY SUCH PERSON.

(J) LEGAL REPRESENTATIVE.

A "LEGAL REPRESENTATIVE" OF A PERSON IS HIS PERSONAL
REPRESENTATIVE OR THE GENERAL GUARDIAN, GUARDIAN,
COMMITTEE, CONSERVATOR, TUTOR, OR CURATOR OF HIS PROPERTY
OR ESTATE.

(K) LIFE INSURANCE POLICY OR ANNUITY CONTRACT.

A "LIFE INSURANCE POLICY OR ANNUITY CONTRACT" MEANS
A LIFE INSURANCE POLICY OR ANNUITY CONTRACT AS THOSE
TERMS ARE DEFINED IN ARTICLE 48A OF THIS CODE, TITLE
"INSURANCE," ISSUED BY AN INSURANCE COMPANY ON THE LIFE
OF A MINOR TO WHOM A GIFT OF THE POLICY OR CONTRACT IS
MADE IN THE MANNER PRESCRIBED IN THIS SUBTITLE OR ON THE
LIFE OF A MEMBER OF THE MINOR'S FAMILY.

(L) MEMBER OF A MINOR'S FAMILY.

A "MEMBER OF A MINOR'S FAMILY" MEANS ANY OF THE
MINOR'S PARENTS, GRANDPARENTS, BROTHERS, SISTERS, UNCLES,