Exhibit 3: Range of Minimum Required Capital (MRC) Changes for Retail Portfolios
Retail Portfolios Change in MRC (extreme values were excluded)
Total Retail 0%
Total Retail -75%
Total Retail -79%
Total Retail -83%
Total Retail -47%
Total Retail -73%
Total Retail -39%
Total Retail -58%
Total Retail -37%
Total Retail -63%
Total Retail 71%
Total Retail -81%
Total Retail -77%
Total Retail -18%
Total Retail -62%
Total Retail -83%
Total Retail 73%
Total Retail -15%
Total Retail -59%
Total Retail -29%
Total Retail 29%
Total Retail -50%
Total Retail -49%
Total Retail -25%
Total Retail -77%
Total Retail -11%
Home Equity 0%
Home Equity -60%
Home Equity -92%
Home Equity -95%
Home Equity -91%
Home Equity -77%
Home Equity -45%
Home Equity -55%
Home Equity -46%
Home Equity -82%
Home Equity 0%
Home Equity -87%
Home Equity -71%
Home Equity -80%
Home Equity -87%
Home Equity -94%
Home Equity -99%
Home Equity -48%
Home Equity -86%
Home Equity -69%
Home Equity -83%
Home Equity -76%
Home Equity -16%
Home Equity 24%
Home Equity -95%
Home Equity 92%
Residential Mortgage 0%
Residential Mortgage -60%
Residential Mortgage -74%
Residential Mortgage -93%
Residential Mortgage -91%
Residential Mortgage -84%
Residential Mortgage -50%
Residential Mortgage -59%
Residential Mortgage -76%
Residential Mortgage -80%
Residential Mortgage 0%
Residential Mortgage -78%
Residential Mortgage -93%
Residential Mortgage -33%
Residential Mortgage -56%
Residential Mortgage -80%
Residential Mortgage -99%
Residential Mortgage -18%
Residential Mortgage -47%
Residential Mortgage -72%
Residential Mortgage -24%
Residential Mortgage -81%
Residential Mortgage -64%
Residential Mortgage -61%
Residential Mortgage -86%
Residential Mortgage -37%
Credit Cards 0%
Credit Cards -85%
Credit Cards 52%
Credit Cards 0%
Credit Cards 56%
Credit Cards 98%
Credit Cards 0%
Credit Cards 0%
Credit Cards 0%
Credit Cards -2%
Credit Cards 81%
Credit Cards 0%
Credit Cards -77%
Credit Cards 112%
Credit Cards 245%
Credit Cards 0%
Credit Cards 72%
Credit Cards 416%
Credit Cards -90%
Credit Cards 53%
Credit Cards 72%
Credit Cards 63%
Credit Cards 0%
Credit Cards 0%
Credit Cards 47%
Credit Cards 293%
Other Retail 0%
Other Retail -98%
Other Retail -63%
Other Retail -66%
Other Retail -46%
Other Retail -64%
Other Retail 15%
Other Retail -79%
Other Retail -5%
Other Retail -64%
Other Retail 41%
Other Retail -83%
Other Retail -28%
Other Retail -36%
Other Retail -53%
Other Retail -25%
Other Retail 34%
Other Retail -20%
Other Retail -34%
Other Retail -49%
Other Retail 94%
Other Retail -18%
Other Retail 0%
Other Retail -4%
Other Retail -53%
Other Retail 89%
Small Retail Exposures 0%
Small Retail Exposures -83%
Small Retail Exposures -81%
Small Retail Exposures 0%
Small Retail Exposures -16%
Small Retail Exposures -59%
Small Retail Exposures 0%
Small Retail Exposures -22%
Small Retail Exposures -100%
Small Retail Exposures -44%
Small Retail Exposures 122%
Small Retail Exposures -38%
Small Retail Exposures -37%
Small Retail Exposures 195%
Small Retail Exposures -57%
Small Retail Exposures 0%
Small Retail Exposures 204%
Small Retail Exposures 85%
Small Retail Exposures -54%
Small Retail Exposures 12%
Small Retail Exposures 29%
Small Retail Exposures -88%
Small Retail Exposures 0%
Small Retail Exposures 0%
Small Retail Exposures -18%
Small Retail Exposures 0%