(3)in Article 20, paragraph 5 is replaced by the following:‘5.Without prejudice to Article 10 of this Regulation, during the initial period referred to in Article 102(1) of Directive 2014/59/EU, Member States may allow institutions whose total assets are equal to or less than EUR 3000000000 to pay a lump-sum of EUR 50000 for the first EUR 300000000 of total liabilities, less own funds and covered deposits. For the total liabilities less own funds and covered deposits above EUR 300000000, those institutions shall contribute in accordance with Articles 4 to 9 of this Regulation.’;