Mr. Richie Boucher:

We review all options available to us on an ongoing basis regarding all of our loan books, including our mortgage book. The vast majority of our customers are paying their mortgages so we have a responsibility to those customers and to all of the stakeholders in the bank, including our creditors, depositors and share holders. Our goal is to keep as many people in their homes for as long as we can. We set out for the customers what we can and cannot do for them. In the vast majority of cases, 86%, where customers have had mortgages restructured or modified, they are able to meet those terms. That is what we are doing in Bank of Ireland.