5.3. Where the actuarial analysis establishes that the amount of the capital of the Fonds derived from sums collected under the second paragraph of section 5 and under section 19 as well as from any income from such sums exceeds the amount necessary to enable the Fonds to fully discharge its obligations from 1 April 1992, the Government may, by regulation,
(1) provide, to the extent and on the terms and conditions prescribed in the regulation, for an apportionment of all or part of the excess in favour of each person who is the debtor of a loan contemplated in the second paragraph of section 5 and obtained or assumed by such person, and for which he has already paid an insurance charge contemplated in the said paragraph;
(2) reduce the rates of the insurance charge contemplated in the second paragraph of section 5;
(3) provide for both an apportionment of the excess as in paragraph 1 and a reduction of rates as in paragraph 2.