Mr. Michael Torpey:

The practice at the time, Deputy, was to rely on a code of conduct which required people to act in ... in a certain way. In that context, but I believe the situation has changed since - I am no longer with Ulster Bank - but the practice at the time would have been to rely on codes of conduct where people understood ... and were held accountable for their behaviour, in accordance with the code of conduct, including matters of hospitality.