First National currently originates approximately $20 billion of mortgages annually consisting of $10 billion of new-single family residential, $5 billion of single-family renewals and $5 billion of commercial mortgages. Of the new single-family originations in the past 9-month period to September 30, 2017, $4.2 billion were uninsured mortgages. Of this amount, our calculations indicate $1.0 billion would have been affected by the new qualification rule. Those affected borrowers would have needed to reduce the amount of their mortgages by approximately $0.1 billion in the aggregate in order to qualify under the new rules. This is less than 1% of the Company's overall origination volume for that period. We do not anticipate any material impact on our other originations and renewals as a result of the revised Guideline.