Mr. Tim Molan:

We believe there is an alternative to the banks. It is an alternative that we have been building fairly steadily, cautiously and prudently. We do not believe there is a need to introduce another banking system. We have memories going back eight and ten years when competitor banks were brought in. When it was no longer profitable or insufficiently profitable, they withdrew. We are from and of communities and we have always made our mark in terms of the needs of our members and communities. That is what we will continue to do and we will go forward on that basis.