Mr. Stephen Mason:

Rates for commercial loans were changed in line with the contracts those customers had. The terms of those loans clearly specified that rates could change in circumstances where the bank's cost of funding changed considerably. That is what happened. When that condition happened, and there was a considerable change in the bank's cost of funding, the terms of those arrangements changed. In the cases of bigger commercial loans, each affected customer had a dedicated relationship manager. All such customers were spoken to and written to. They were given the option of having their terms extended so their monthly repayments would stay the same. I think that happened some time in 2011 or 2012.