Exposures to all connected counterparties when taken together, may not exceed 25% of consolidated Total Capital. Controllers and subsidiaries of controllers are not allowed to borrow from the bank (i.e. a 0% limit), however smaller shareholders will be subject to a 15% limit on an individual basis (see Paragraph CM-5.5.4). Directors who are also controllers with significant ownership are subject to the 0% limit (see Paragraphs CM-5.5.11 and CM-5.5.12).