12 CFR §192.445

1. (a)In general. The savings association must provide each savings account holder, without payment, a withdrawable savings account or accounts in the same amount and under the same terms and conditions as their accounts before the conversion.
2. (b)Liquidation account. The savings association must provide a liquidation account for each eligible and supplemental eligible account holder under § 192.450.
3. (c)Voting rights. If the savings association is State-chartered and State law requires the savings association to provide voting rights to savings account holders or borrowers, the charter must:
   1. (1)Limit these voting rights to the minimum required by State law; and
   2. (2)Require the savings association to solicit proxies from the savings account holders and borrowers in the same manner that the savings association solicits proxies from its stockholders.