12.Total regulatory capital will consist of the sum of the following items:

1. i.Tier 1 capital, composed of
   1. a.Common Equity Tier 1 (“CET1”)
   2. b.Additional Tier 1 (“AT1”)
2. ii.Tier 2 capital.

These regulatory capital components are net of regulatory adjustments.

13.Article (2.2) of Capital Adequacy Regulation requires banks to apply the following minimum requirement, at all times:

1. i.CET1 capital must be at least 7.0% of risk-weighted assets (RWA).
2. ii.Tier 1 capital must be at least 8.5% of RWA.
3. iii.Total capital, calculated as sum of Tier 1 capital and Tier 2 capital, must be at least 10.5% of RWA.