In the absence of such guidance, institutions shall use transparent and objective criteria to this end, including some or all of the criteria listed in Article 509(3), (4) and (5).
Če take smernice niso na voljo, institucije za ta namen uporabijo pregledna in nepristranska merila, vključno z nekaterimi ali vsemi merili, navedenimi v členu 509(3), (4) in (5).