Ms Gráinne McEvoy:

Ms Rowland has articulated it very well with regard to those who have been included and the various reasons and circumstances in which they have been included, including where there was a lack of transparency about the rates people were offered and expectations set out in marketing information and flyers. All of those individuals have been included as part of the examination. I echo her sentiment that it is unfortunate and I am also sorry that many people are disappointed with the outcome of the review. For some people it is not what they expected or wanted. Certainly from the perspective of the Central Bank, we did all in our power and pushed to the limit and beyond to try to get as many people as possible included as part of the examination.