(1) The founder of a bank or a financial institution shall not be allowed to sell the shares in his name or hold a mortgage until at least five years have passed since the operation of the financial transaction. If a special situation arises, or if the founder is blacklisted in the financial transactions of another bank or financial institution, shares can be bought or sold among the founders with the approval of Rashtra Bank. Explanation: For the purpose of this sub-section, "special situation" means a meeting of the board of directors due to the lack of a quorum. It should be considered the situation of not being able to sit for three consecutive times or not being able to reach any decision due to the mutual dispute of the directors. (3) If the founder wants to sell or mortgage the shares in his name after reaching five years from the date of operation of the bank or financial institution and after issuing shares to the general public, the state Such shares sold with the approval of the bank may be sold or mortgaged so that they remain with the founder group. However, the founder who holds less than two percent of the paid-up capital does not need to obtain the approval of the National Bank when selling or mortgaging his shares. (4) Section 9 Regardless of what is written in sub-section (1) and sub-section (2), after ten years of operation of the bank or financial institution, after considering the impact on the capital market, banking and the overall financial sector, with the approval of the National Bank, the founder shares may be gradually converted into ordinary shares. (5) In the event that the founder's shares are taken by a company or an organized organization, the prior approval of the National Bank shall be obtained before any change, sale or transfer of shares to the shareholders who have substantial ownership of such company or organized organization. It is not necessary to obtain the prior approval of the National Bank before selling or transferring the shares by the organized body.