Where the calculation results in a negative number, the institution shall set the value of the amount referred to in point (b) of paragraph 3 of this Article as equal to zero.
I gcás inar uimhir dhiúltach a thiocfaidh as an ríomh, socróidh an institiúid luach an mhéid dá dtagraítear i bpointe (b) de mhír 3 den Airteagal seo chun gur cothrom le nialas é.