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1. pledged account mortgage (PAM )
A type of mortgage loan in which the borrower's payments are supplemented by payments from a savings account pledged as additional collateral for the loan. The savings account is established with part of the downpayment.

2. hectare
A metric unit of land measurement equaling 100 acres, or 10,000 square meters, or 2.47 acres. There are 100 hectares in a square kilometer.

3. targeted examination
An examination that focuses on specific areas of a financial institution's operations.

4. Uniform Gift to Minors Act
A law in most states that sets forth provisions for giving a minor an intangible gift, such as a savings account, stocks or bonds. The giver (usually a parent) serves as custodian with direct control over the gift. For example, the custodian can sell the gift for the benefit of the child, as long as proceeds are reinvested and the minor receives all gains and income from the gift. Once established, the giver/custodian may not take back the gift. Income from the gift, such as interest from a savings account, is reported and taxed under the name of the minor, at the minor's usually low tax rates.

5. tax lien
A government claim against real property for unpaid taxes.