Mr. Shane Kavanagh:

I do. We have plenty of documentation. At the management meetings the name of the game was selling. It was all about sales. We were not allowed to engage with mortgages or people in financial difficulty. We were told to leave them alone, that they would be only wasting our time and we would not make money on them. We were told to focus on sales. It was awful. We had built up trust with our members at local level. People had trusted us for years. We were told not to engage with people whom we had helped to get mortgages and were now in trouble and to direct them to head office or a particular helpline. Given our culture, this did not sit right with us. It upset us that we had to turn our backs on our customers. We were located in local communities and towns and these were people and families for whom we had processed mortgages and other financial products throughout their life cycle and we were told not to engage with them and to direct them to head office in Dublin. We did not like that and we raised concerns about it. It is not that we were being negative; we just felt it was not the right approach.