8. Any natural person may be a founder of a credit union, except(1) a minor;
(2) a person of full age under protective supervision or a person totally or partially deprived of the exercise of civil rights;
(3) a person convicted, in the past five years, of an offence or an indictable offence involving fraud or dishonesty, unless the person has obtained a pardon;
(4) a person who does not meet the conditions relating to a common characteristic when such conditions are set out in the articles of the credit union in accordance with the second paragraph of section 10.