Kieran O'Donnell (Limerick City, Fine Gael) | Oireachtas source

I welcome the witnesses. I want to pick up on a few points. I want full clarification on the legal aspect. I am looking at quarter two, the figure for which I believe was 4,124. Mr. Brown said that 20% of those have now re-engaged. Were letters sent to all those people and what criteria would the bank use in terms of legal letters being sent out? For instance, in the case of AIB, that was done when it had not received payments in three years. Bank of Ireland appeared to operate that. What would be Ulster Bank's criteria on that? Mr. Brown might give me a general overview on that.