Eoghan Murphy (Dublin South East, Fine Gael) | Oireachtas source

Can we turn then to the group internal audit, and that's at the Dublin Mortgage Centre from December 2006 and the reference is UBI, Vol. 2, page 74. So, on the top of page 74, if you have it in front of you, "Control Issue No. 2 ... Mortgages are processed to completion without sufficient consideration being given to whether all terms and conditions, and documentation requirements, have been satisfied." Classification is "Significant". And if we go down to the third paragraph then underneath that, "The current process does not require (or result in) full copies of a Mortgage Offer Letter ... being held on file, either in paper form or electronically. For switcher mortgages (remortgages) the current process does not require the centre to have sight of the signed [offer letter] at all." Can you comment on that? That's coming from the internal ... group internal audit in the Dublin Mortgage Centre.