Mr. Jeremy Masding:

I respect the Deputy's perspective on price. We will keep our rates under constant review. I hope that price is not the only factor in determining whom one banks with. I hope we provide a level of banking professionalism and service which is also attractive to customers. Please do not take my comments as disagreement. I agree with the Deputy that we need to keep our rates as competitive as possible, but I hope that Permanent TSB is about more than just pricing.