Mr. Gavin Kelly:

Some of what the Deputy is saying is fair. That package is under review. I cannot give any information on the review because we must make at a full application to the Central Bank for changes to fees and charges. As the Deputy may be aware, we recently we launched a new financial well-being initiative and are seeking to simplify what we do and our fees and charges. I believe the service we brought in a few years ago represents very good value for our customers. We are now standing back and looking at it in the context of what is currently happening and the day-to-day banking needs of our customers. The fees and charges are under review and we will be looking at something later in the year in that context.