Limra Mutually Aided Cooperative Thrift & Credit Society LTD. has rules and objectives that are the same as a bank, but it is only in effect to someone (members group) who has agreed or joined this agreement, as a bank, but to do business for Its Member only. So, if the term is a quasi-bank, I think that the rules and objectives of that are the same as the commercial bank, but this thing is only in effect to someone (members group) who has agreed/join on this agreement.