Mr. David Hall:

We have two arrangements with the banks on funding, in the form of grants to us. AIB has funded us to an amount of €160,000, from 18 November, for a six month pilot scheme. That is unconditional funding. There is no confidentiality clause and it is unconditional. It is grant aid to use as we choose in assisting borrowers who wish to come through us. We also have an €80,000 payment from KBC for a six month period. We included that amount in the schedule we sent yesterday, which is also up on our website. We do not charge anyone who cannot afford to pay, but we look for a fee of €150, for operating costs, from someone coming to visit us, based on the financial ability to pay. Respectfully, this is a service we should not be providing. Five years ago when this crisis hit, this service should have been rolled up and put into MABS and MABS should then have been beefed up. That is the position on fees.