DEPOSITS THAT ARE NON-REIMBURSABLE The Fund shall not insure and reimburse the following deposits of physical persons: Deposits of physical persons extended under privileged interest terms, other than the ones published by the bank or the savings house; Deposits of physical persons - owners of over 5% of the voting shares in the bank or the savings house; Deposits of members of managing bodies of the bank or the savings house; Deposits of family members of direct linage of 1-st degree of the persons referred to in items 2 and 3, spouses and children; Deposits related to transactions used for money laundering if the perpetrator has been convicted and the sentence is effective. In case a physical person has liabilities towards the bank or the savings house, the total amount of the deposits of the person shall be reduced by the amount of the liabilities of the person towards the bank or savings house. In cases of joint deposits, the shares of the depositors are considered equal unless otherwise regulated with a contract.