Beginning on the effective date of classification, an ``adequately capitalized'' new credit union must increase the dollar amount of its net worth by the amount reflected in its approved initial or revised business plan in accordance with Sec. 702.304(a)(2), or in the absence of such a plan, in accordance with Sec. 702.201, and quarterly transfer that amount from undivided earnings to its regular reserve account, until it is ``well capitalized.'' [67 FR 71092, Nov. 29, 2002]