Under the Basel III framework, we will be required to maintain the following minimum regulatory capital ratios: · A new ratio of common equity Tier 1 capital to total risk-weighted assets of not less than 4.5%; · A Tier 1 risk-based capital ratio of 6.0% (an increase from 4.0%); · A total risk-based capital ratio of 8.0%; and · A leverage ratio of 4.0%.