Mr. Ed Sibley:

The probationary period is typically a year. That loan would then return to performing. However, that is if the example was in complete isolation. There are other circumstances where the loan might not return to performing, for instance, if the borrower has another loan with the institution, that is, there is a connection with another loan, that is in arrears or is non-performing for some reason. In complete isolation, the circumstances that the Deputy described of one loan and one borrower should queue out to performing, but there may be other reasons for it to remain non-performing, for example, another loan.