Mr. Stephen Groarke:

I may be able to help. From 2006, there was an obligation under the consumer protection code to provide customers with adequate information in respect of any decisions they made. There was an issue for Permanent TSB in this regard. Where our customers broke early from a fixed rate, they lost the contractual right to a tracker. However, the information pointing out to them that they were losing that contractual right was not provided. In describing it as a systems weakness, we are saying the group at the time did not put in place appropriate systems to implement the consumer protection code 2006.