Mr. Wim Verbraeken:

I would not use the word "systems". As regards this phase of the examination, I can only speak for my institution. I have not seen evidence or indications that there was a deliberate effort made by individuals in the bank to deprive customers of a tracker mortgage rate. However, it is clear from the case reviews we have conducted that a number of circumstances and practices were deficient, as I indicated in my opening statement, either in the correspondence to customers or the documentation used or other influencing factors. That is next to a number of errors we have uncovered during our forensic review of cases.