We are a commercial bank, approximately $550 million in assets, 60% of our portfolio is commercial (C&I, real estate, construction) and 40% is consumer (residential mortgages). We are starting to track loans originated with policy exceptions and want to set a limit as to the number of exceptions. Ideally, we want zero policy exceptions, but every bank has loans made outside policy. I am curious if other bankers have limits on exceptions and if so, is it based on a percentage of loans outstanding or capital?