John McGuinness (Carlow-Kilkenny, Fianna Fail) | Oireachtas source

I remind everyone of the notice regarding privilege. Witnesses who are giving evidence within the precincts of Leinster House or the Convention Centre are covered by privilege. Those who are not have limited privilege. Witnesses are reminded of the long-standing parliamentary practice that they should not criticise or make charges against any person or entity by name or in such a way as to make him, her or it identifiable or otherwise engage in speech that might be regarded as damaging to the good name of the person or entity. Therefore, if their statements are potentially defamatory in respect of an identifiable person or entity, they will be directed to discontinue their remarks. It is imperative that they comply with all such directions.

As I indicated earlier, the statement from Ulster Bank will be taken as read and will appear on the committee's website. The representatives of the bank will be given an opportunity for a brief introduction. I call Ms Jane Howard to make some opening remarks.