33. Any natural person having his domicile, a residence, an establishment or regular work in the territory set out in the articles of the credit union or who belongs to the group described therein may be a founder, except(1) a minor;
(2) a person of full age under protective supervision or a person totally or partially deprived of the exercise of his civil rights;
(3) an undischarged bankrupt;
(4) a person convicted, in the past five years, of an offence or an indictable offence involving fraud or dishonesty, unless he has obtained a pardon.