Nothing in this Article shall prevent:
(a) financial institutions from applying their own lending or underwriting practices based on market principles and prudential considerations; or
(b) a Contracting Party from taking measures:
(i) for prudential reasons, including the protection of Investors, consumers, depositors, policy-holders or persons to whom a duciary duty is owed by a financial service supplier; or
(ii) to ensure the integrity and stability of its nancial system and capital markets.