Mr. Wim Verbraeken:

There is a compensation proposal which is standard for all customers where we have determined that the loss of ownership was caused by the bank's error and failure, as I indicated. For an owner-occupied property, the offer to the customer would be a €50,000 lump sum payment. There would be compensation for the uplift in value of the property between the time of repossession or sale of the property and the time of compensation. There would be a write-off of all residual mortgage balances. There would be a compensation for the future value of a tracker unless that same customer took up our offer of a new mortgage loan on a tracker rate. We would also offer them legal fees to the extent of €2,000 or other reasonable vouched fees that they spent.