Ms Francesca McDonagh:

I will save your words and pass them to Mr O'Beirne who will provide more detail. Within the additional 6,000 customers we agreed to compensate and redress last November is a group of current and former staff members. We have treated our staff as we would treat any customer. We are not giving special treatment because they are staff. Our staff are incredibly important to us but in the context of this tracker examination we have treated them as we would any customer.

When we looked at the group of staff, there was a potential issue around the clarity of the information provided at the time. We have agreed to include 1,850 current or former staff within the compensation and redress.