Mr. Jerry Beades:

Yes. It has been fined massively in the UK. There was a repeat here of what happened in the UK. As explained by Ms Lavin, I have stayed in the background on this issue because I have so much more going on. I know exactly what is going on. I inquired about how I had ended up in GRG. The bank employee whom I dealt with did nothing wrong. I want to make that clear. He had been transferred from the office in George's Quay to GRG in College Green and his customers went with him to GRG. He did not know anything about what was going on. I filled him in on what we had learned in Belfast. When I asked him how I had ended up in GRG in College Green, his response was that when he was transferred, so too were all of his customers, but none of those customers was ever written to and told this was happening.