“ LOW-INCOME.— The term `low-income ́ means— (A) in the case of owner-occupied units, income not in excess of 80 percent of area median income; and (B) in the case of rental units, income not in excess of 80 percent of area median income, with adjustments for smaller and larger families, as determined by the Secretary. (9) MEDIAN INCOME.— The term `median income ́ means, with respect to an area, the unadjusted median family income for the area, as determined and published annually by the Secretary. ”

“ EXECUTIVE OFFICER.— The term `executive officer ́ means, with respect to an enterprise, the chairman of the board of directors, chief executive officer, chief financial officer, president, vice chairman, any executive vice president, and any senior vice president in charge of a principal business unit, division, or function. ”

“ Retained earnings. The core capital of an enterprise shall not include any amounts that the enterprise could be required to pay, at the option of investors, to retire capital instruments. (5) DIRECTOR.— The term `Director ́ means the Director of the Office of Federal Housing Enterprise Oversight of the Department of Housing and Urban Development. (6) ENTERPRISE.— The term `enterprise ́ means— (A) the Federal National Mortgage Association and any affiliate thereof; and (B) the Federal Home Loan Mortgage Corporation and any affiliate thereof. ”