Mr. Jeremy Masding:

I answered an earlier question where I said all our customers could access the explore account, which I believe was labelled as the best current account in the market bybonkers.ie. Interestingly, Permanent TSB won the company award in the Irish loyalty awards a few weeks ago underpinned by our explore account. I hear what the Deputy is saying about the legacy current accounts but I would say the only way we are going to survive against Revolut, Fintech and other such companies that enter the market is by providing compelling propositions. Our explore account is attractive to customers. It is built on the type of examples the Deputy mentioned such as the airline account in that the more a customer uses their debit card the more value they get and we also have access to a series of rewards scheme. The point I am making is that we inherited what we inherited and I would encourage all customers to consider the explore account because it is a compelling proposition.