Mr. John O'Beirne:

I met three representatives of the group. They are former members of staff of Bank of Ireland, and that description covers a large portion of the group they represented. We are somewhat restricted in what we can say as the group is subject to ongoing analysis and discussion. We have thoroughly examined the additional cases. I welcomed the opportunity to sit down and discuss the nuances yesterday. They put forward a detailed version of their case and referred to the impact this issue has had on many of those individuals. I have also met many current members of staff to discuss this issue in the course of the past 12 to 18 months. I have not yet seen anything to indicate that there is an ongoing entitlement to a tracker mortgage. These customers were never on a tracker and did not take up the option of a tracker mortgage when the product was available. I do not want to pre-empt the findings of the analysis. I have undertaken to take this piece back and to take the further information we have been provided with under the course of the review through a further re-visitation and to keep the Central Bank informed.