Mr. Pat McArdle:

I presented to the Ulster Bank board roughly once a year, I think, as I said in my witness statement. I have no recollection of any of those concerns being raised with me. I'm pretty, I would have known Niamh Brennan, I'm pretty certain she didn't ask me ... in fact I have no recollection of ever been asked a question and I have no recollection of any of those concerns been raised with me.