Under the current regulatory framework, we are required to maintain the following minimum regulatory capital ratios: • A ratio of common equity Tier 1 capital to total risk-weighted assets of at least 4.5%; • A ratio of Tier 1 capital to total risk-weighted assets of at least 6.0%; • A ratio of Tier 1 capital plus Tier 2 capital to total risk-weighted assets of at least 8.0%; and • A leverage ratio (Tier 1 capital to adjusted total assets) of at least 4.0%.