Maryland Code § FI-6-502

Section FI-6-502
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(a) (1) Except as otherwise provided in this section, the board may
declare and pay dividends from its available net earnings or undivided earnings at
the close of any accounting period after providing for accrued expenses and interest.
(2) Dividends paid or accrued are to be treated as an expense.
(b) The board shall set the dividend rate and any terms and conditions
regarding the dividend.
(c) A credit union may not declare a dividend:
(1) Unless the required amount of earnings has been credited to the
reserve fund of the credit union; or
(2) If the known losses at the close of a fiscal year would exceed the
sum of the balances of the reserve fund, surplus, and undivided earnings after
payment of the dividend.

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