Ms Jane Howard:

We cannot talk about the broadband programme, when it will roll out and how effective it will be. We have evidence that shows that seven out of ten of our customers are able to use digital services easily. There are two ways of using it. If one is carrying out transactions, it is generally in a place where broadband is available. The broadband issue is a real problem when doing banking from home. We have branches which have broadband and customers are very welcome to come in and use our premises to do their banking. We would love to help them.