Mr. Liam McLoughlin:

The fixed rates are detailed in the documentation. For a three-year fixed mortgage it is 3% and for five-year mortgages it is 3% in the case of loan-to-value ratios, LTVs, below 80%. For a ten-year rate it is 3.8%; for one year it is 3.2%. In all cases, in addition to those figures, there is, as I discussed earlier with various Deputies, a cashback arrangement whereby we give customers within 45 days of drawdown 2% cashback, which they may use however they wish. After five years a further 1% cashback is paid to the customer.