Mr. Ger Mitchell:

Mr. Masding has outlined the original mortgage redress programme, which was stage one. It was announced in July 2015. We commenced work on the instruction of the board to conduct reassurance work across our entire book in September 2015. In December 2015, the Central Bank announced an industry-wide tracker review. As part of this tracker review we assessed our entire book across the four key guiding principles of the Central Bank framework, which are contractual rights, regulatory obligations, transparency and influencing factors. We conducted this review throughout 2015 and 2016. We completed phase 2 of the review and submitted our report to the Central Bank in line with an agreement with it on 30 June. Within the programme of work we identified 579 additional customers who would require redress.